Get caught driving without insurance in Tennessee and you’ll face penalties as light as a $25 fine and as heavy as a year in jail. You’ll also face those penalties even if you have car insurance but don’t carry at least the state minimum amount of auto liability coverage.

What are the consequences of not having car insurance in Tennessee?

Driving without car insurance in the state of Tennessee is now a Class A misdemeanor if you are involved in an auto accident that results in bodily injury or death. If you are at fault, the penalties of a conviction are: Fines up to $2,500. Jail time for up to 11 months and 29 days.

Is car insurance mandatory in TN?

Tennessee drivers must carry the following required minimum car insurance coverages and limits: Bodily injury liability: $25,000 per person and $50,000 per accident. Property damage liability: $15,000 per accident. Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident*

What happens if the person at fault in an accident has no insurance in Tennessee?

Further, driving without car insurance in the state of Tennessee is a Class A misdemeanor if you are involved in an auto accident that results in bodily injury or death. Penalties include fines up to $2,500 and a jail sentence of up to one year. A car accident with no insurance makes a bad situation worse.

Is Tennessee a no fault car insurance state?

Tennessee is an at-fault state. Just like it sounds, the Tennessee at-fault law states that the driver who is found at-fault for the auto accident will be legally and financially responsible for damages and injuries that resulted from the accident.

Is TN a no fault auto insurance state?

Tennessee is considered a “fault state,” meaning that if you are injured in a car accident here and another driver is at fault, you may be able to recover damages from them and from their insurance company in a personal injury suit.

Is TN a no fault state?

What are the penalties for driving without insurance in Tennessee?

According to the Financial Responsibility Law in Tennessee, if you’re driving without insurance and involved in an accident that results in bodily injury or death, you face a Class A misdemeanor on your record. If you are convicted, the possible penalties are fines up to $2,500 and imprisonment of up to 11 months and 29 days.

What happens if you don’t have insurance in Tennessee?

Tennessee uses the Insurance Industry Committee on Motor Vehicle Administration Model to verify which drivers carry insurance. If state officials hear word that a registered vehicle isn’t insured, the Tennessee Department of Revenue will send a notice to the owner.

What are the auto insurance laws in Tennessee?

Tennessee follows a traditional “fault”-based system when it comes to financial responsibility for losses stemming from a car accident: injuries, lost income, vehicle damage, and so on.

Who is at fault in a car accident in Tennessee?

Tennessee is a “Fault” Car Accident State. This means that the person who was at fault for causing the car accident is also responsible for any resulting harm (from a practical standpoint, the at-fault driver’s insurance carrier will absorb these losses, up to policy limits).