Tennessee Car Insurance Requirements

Tennessee car insurance customers must buy liability insurance coverage. The minimum level of bodily injury liability coverage required is $25,000 to pay for damages claimed by a single person in an accident. At least $50,000 must be purchased to cover claims made by multiple victims of an accident. Injured people are entitled to be compensated for medical bills and expenses after an accident. The bodily injury liability insurance also pays out for funeral expenses if necessary.

Property damage liability coverage is also required in Tennessee. The minimum level of coverage required is $10,000. This amount is used to pay for repairs to the other driver’s car, as well as any other property damaged in the accident. If a mailbox, street sign, fence or shed is hit, the repairs are covered through this portion of the policy.

Uninsured motorist coverage is not required in Tennessee, but it is highly recommended that drivers in that state add this coverage to their car insurance policies. Tennessee’s neighbor to the southeast, South Carolina, does not require drivers to have liability coverage. As the name implies, uninsured motorist coverage pays out when the at-fault driver in an accident does not have insurance coverage. It pays for medical bills and property damage in this instance. Tennessee car insurance customers who are victims of a hit and run are also covered under an uninsured motorist policy.