Like most of the other US states, drivers in Tennessee are required to carry basic auto insurance. Tennessee has its own car insurance rules and regulations. These laws are there to protect drivers on the road. insurancemozo.com can save you money on your auto insurance in Tennessee and understands the value of important information necessary and to find the Best and most affordable Tennessee Car Insurance for you.
What are the minimum Tennessee Car Insurance Requirements?
Tennessee drivers are required to carry a minimum amount of auto insurance coverage. The minimum liability amounts for the State of Tennessee is 25/50/15.
$25,000 bodily injury liability for one person.
$50,000 total bodily injury per accident.
$15,000 total property damage per accident.
Tennessee currently requires an SR-22 filing to reinstate a driver’s license. SR-22 is a document that is required to be filed with a state’s DMV as proof that the minimum liability coverage for the state is being carried.
Is Tennessee a No fault State?
Tennessee is not a no-fault state, so no-fault insurance is not required. This means that if a driver is found to be at fault in an accident s/he may have to pay the charges for other driver’s medical expenses as well for any damage to his/her vehicle. Second party can also claim money for lost wages and his/her sufferings.
Is Uninsured/Underinsured Motorist Coverage required in Tennessee?
Some states will require that drivers carry UM/UIM, also known as uninsured/underinsured motorist coverage. This coverage will protect the driver in the event that an accident occurs and the other party does not have auto insurance.
The State of Tennessee does not currently require drivers to carry this coverage. But it is always advisable to have this insurance cover. This is because if you are hit by an uninsured driver even if he is at fault you may have to pay the bill if you are not covered by these coverage plans.
What are the various discounts I can avail in Tennessee?
Various kind of car insurance discounts are available and among them few are mentioned here like Passive restraint discount, Drive Safe and save discount, Good student discount, Multiple automobile discount etc. which may be available in Tennessee as these discounts may vary from state to state and from provider to provider. This discount may help you to find the cheapest car insurance in Tennessee.
Should I buy PIP (Personal injury protection)?
PIP states that car insurance available in some U.S. states that covers medical expenses, funeral expenses of injured person and, in some cases, lost wages and other damage also. This type of car insurance coverage varies by state and depends upon policy provisions.
The State of Tennessee current does not requires drivers to carry PIP insurance.
How do I get a best car Insurance Quote in Tennessee?
The best option to find the best and cheap Tennessee Car insurance quote is to always start an auto insurance quote comparison search online. Just enter your ZIP code above to get FREE auto insurance quotes.
Official websites links:
To find the cheap Tennessee Car Insurance, go through the given official website links:
Tennessee official website: www.tn.gov
Tennessee Department of Insurance: www.tn.gov/commerce/index.shtml
Tennessee Department of Insurance at:
500 James Robertson Pkwy Nashville,
TN 37243, United States
