Tennessee Auto Insurance Information and Online Resources
Free Online Tennessee Auto Insurance
Quotes from top Tennessee Insurance Companies
URL: http://state.tn.us/safety/
1150 Foster Ave.
Nashville, TN 37249
Phone: (615) 251-5166
The Tennessee DMV offers its services through the Tennessee Department of
Safety. Drivers can also contact the Tennessee Driver Information Line at (615)
741-3954 and (615) 532-2281 (for the hearing impaired).
The Tennessee DMV features several online services on its'
website which drivers can access from the comfort of their homes. These include
changing
addresses, scheduling a driver license road test, making inquiries about a
driver's license, ordering a duplicate driver license, reinstating and renewing
a driver's license. Drivers can also prepare for their written examination
by taking the Tennessee DMV's Driver License Online Practice Test.
The Tennessee DMV provides guides on getting a driver's license and vehicle
registration. These can be viewed or downloaded from the website.
In 2001, Tennessee law started requiring all first time license applicants,
or those renewing their driver's license for the first time, to show proof
of U.S. Citizenship or Lawful Permanent Residency. Those who are not U.S.
citizens or residents of Tennessee can apply for a Certificate for Driving
from the Tennessee DMV to operate
non-commercial vehicles.
Tennessee Auto Insurance Laws
Tennessee auto insurance coverage is not mandatory under
Tennessee auto insurance law. Tennessee driving laws require evidence
of financial
responsibility. Drivers
must show that they either have Tennessee auto insurance or
that they have the resources to pay for injuries or damages if an accident
happens. Beginning
2002, Tennessee
driving
laws also
required
drivers
to show proof of financial responsibility when stopped by the police for traffic
violations. Failure to present evidence can result in a fine or the suspension
of your license. Proof can be in the form of a cash deposit or bond certified
by the Tennessee DMV, but carrying auto liability insurance
is more convenient and offers better protection.
Most Tennessee auto insurance companies can offer coverage
for more than the minimum liability coverage of 25/50/10. The minimum limits
required are: $25,000 per
individual, $50,000 for all injuries, and $10,000 for property damage.
To find out more about service quality of Tennessee auto insurance
companies, try the Tennessee Better Business Bureau online site
website. The Tennessee BBB provides current information
on its member companies, as well as basic information available on other
companies even if they are not members. These include reports of complaints
lodged against the companies with the Tennessee BBB over
the last thirty-six (36) months.
There are several Tennessee BBB sites serving the different
areas of the state. Two of them are at http://www.chattanooga.bbb.org and
www.gobbb.org. Auto insurance consumers can use these
sites to check for specific Tennessee auto insurance companies and
see if they have any record of complaints.
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