Ask an Attorney: Am I Required to Have Car Insurance?

Q.: Am I required to have car insurance? If so, what amount of car insurance does the State require?

A: Tennessee law requires its drivers to show proof of financial responsibility (i.e. the ability to cover resulting costs, if you are involved in a moving violation or accident). Most often, proof of financial responsibility comes in the form of automobile insurance. The law requires minimum liability coverage in the following amounts:

$25,000 bodily injury per person
$50,000 bodily injury per accident
$10,000 property damage

Please keep in mind that failure to provide proof of financial responsibility may result in criminal charges as well as the loss of your license.