Tennessee law requires vehicle owners to show their "financial responsibility" for any car accident they might cause, and most Tennesseans do this by carrying car insurance that meets or exceeds these required liability coverage minimums:
Let's take a closer look at Tennessee's car insurance rules and how they'll likely come into play after a traffic accident.
As we touched on above, under Tennessee's "financial responsibility" law, vehicle owners must be able to show proof of their ability to cover financial losses resulting from any car accident they might cause.
Besides purchasing liability car insurance in line with the state's minimums (as detailed at the top of this article), Tennessee vehicle owners can:
Liability coverage pays the medical bills, property damage bills, and other costs of drivers, passengers, and pedestrians who are injured or have their vehicle damaged in a car accident you cause, up to coverage limits. You can (and in some situations should) carry more coverage to protect you in case a serious crash results in significant car accident injuries and vehicle damage.
Once policy limits are exhausted, you are personally on the financial hook, so higher insurance limits can help protect your personal assets in the event of a serious crash.
Your liability coverage will kick in if any family member is driving your vehicle, or if you've given someone else permission to use it. It will likely also cover you if you get into an accident in a rental car.
Remember that liability coverage doesn't apply to your own injuries or vehicle damage after a Tennessee car accident. You'll need different (additional) coverage for that if you're involved in a car accident and no one else's coverage applies to your losses. For example, collision coverage (optional in Tennessee) can pay for repairs to (or replacement of) your damaged vehicle after a car accident. Note that collision or comprehensive might be required under the terms of a vehicle lease or financing agreement.
No. Uninsured motorist (UM) coverage is not required in Tennessee, but this kind of coverage protects you if the at-fault driver has no insurance, or if you're injured in a hit and run accident. Keep in mind that UM coverage will not apply to vehicle damage.
If you've suffered any kind of injury or incurred property damage because of a car accident in Tennessee, you might be able to:
Yes. Tennessee has something of an automated electronic system that matches up vehicle registration information with coverage details provided by insurance companies. If this electronic system can't confirm that your vehicle is covered, you'll receive a notice from the state's Department of Revenue, directing you to Drive Insured TN, where you can provide proof of your compliance with the state's financial responsibility rules.
If a law enforcement officer asks you to provide proof of insurance (during a traffic stop or after an accident), you can do so through MyTN, the state government's official mobile app. Of course, you can still carry a physical copy of your company-issued insurance card or other documentation showing compliance.
According to the Tennessee Department of Safety & Homeland Security, if you're unable to demonstrate proof of financial responsibility:
That's on top of the financial hit you could take if you're in a car accident and you don't have car insurance.
If you've been injured in a car accident in Tennessee, you might need more than just the basic car insurance rules. Get more information on when you might need a car accident lawyer.