While liability coverage is the only insurance required by the state of Tennessee a bank or lien holder could require you to carry extra coverage if your vehicle is being financed usually comprehensive and collision.

Does insurance follow the car or the driver in tennessee. As a result 1 in 5 drivers flouted the mandatory insurance laws. That means if you get into an accident your car insurance liability coverage will cover you in the same way it would if you were driving your own car. Proof of insurance also known as proof of financial responsibility must be carried at all times when behind the wheel.

Tennessee has updated its penalties for driving without car insurance or providing evidence of financial responsibility. In Tennessee as in every state car insurance is sure to play a big part in any claim brought after a traffic accident. In general auto insurance follows the car instead of the driver but the specifics of a claim can differ since.

Penalties include fines up to 2500 and a jail sentence of up to one year. However Tennessee law requires you to exhaust the other drivers policy before collecting under your own. When you rent a car.

There are coverages that follow the car and coverages that follow the driver. Driver Coverage The answer isnt so cut-and-dry. Conversely collision and comprehensive coverage follow the automobile you have insured not the driver.

Depending on your policy your car insurance may extend coverage to rental cars. In this state the following coverage is required. 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.

The regulations of car insurance in Tennessee are as follows. But new laws have been enacted to crack down on uninsured drivers. The answer to whether car insurance covers the driver or the car is not black and white because there are parts of your car insurance policy that do follow you when you are driving someone elses car.