Tennessee SR22 Insurance
SR22 Insurance in Tennessee
In Tennessee, drivers who have been convicted of certain serious driving violations, such as driving under the influence (DUI) or driving without insurance, may be required to get SR-22 insurance. This can be obtained by requesting a form called an SR-22 from your insurer, or getting a new policy that includes an SR-22 certificate. An SR-22, also called a certificate of future financial responsibility, is submitted to the Tennessee Department of Safety (DOS) and proves to the state that you have auto insurance to pay for another driver’s injuries or damages if at fault in an accident. The cost of an SR-22 isn’t high by itself; however, insurance companies charge much more for a driver who requires an SR-22, as it indicates you’re risky to insure.
In 2001 no one in the state of Tennessee was required to carry insurance of any kind on their vehicle. However, due to the skyrocketing number of driving fatalities and traffic violations it was noted that insuring Tennessee’s drivers was necessary. Between the time of the 1980’s well into the 90’s the death rate for traffic accidents had shot up an overwhelming 72%. State drivers are now required to carry a minimum amount of coverage on liability. Since the turn of the century the state has really cracked down on what it expects out of its drivers.
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
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The state of Tennessee requires all drivers to carry the legal liability insurance limits 25/50/15; which stands for $25,000 for bodily injury to 1 person, $50,000 for bodily injury to 2 or more people, $15,000 for property damage. SR22 Certificate is required when convicted of violations such as; DUI/ DWI, serious moving violations, ie reckless driving, speeding, failure to provide valid proof of insurance or providing false documents, driving on suspended or revoked license, Excessive tickets, unpaid legal judgements, failure to pay child support.
A driver’s lack of willingness to comply with Tennessee’s SR22 insurance requirements can very well lead to the suspension of the drivers license on top of a $100 fine. The driver may also be subject to a STOP on their vehicle registration privileges and if this is done the driver might not be able to renew their vehicle or register one ever again.
Tennessee SR22 Insurance Page Updated 7/20/2020
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