Tennessee’s Financial Responsibility Law now requires motor vehicle owners to maintain proof of liability insurance coverage in the event of a car accident or a verifiable exemption. The Department of Revenue has also developed an online system to verify financial responsibility in order to hold Tennessee drivers accountable.
Starting in 2017, uninsured drivers in Tennessee will pay fines and risk losing the right to drive their vehicles if they don’t have proper auto insurance or another form of financial responsibility in place.
The required minimum limits of your liability car insurance are:
*$25,000 for each injury or death per accident.
*$50,000 for total injuries or deaths per accident.
*$15,000 for property damage per accident.
The state’s new electronic insurance verification system matches your vehicle identification number (VIN) with your automobile insurance policy information. Rather than checking for insurance coverage at the time of registration renewal, the system will check for insurance coverage on a continual basis.
If the system cannot match your vehicle’s VIN to a corresponding policy, you’ll get a letter from the state asking you to visit www.driveinsuredtn.com and provide proof of insurance or another form of financial responsibility.
Make sure your VIN is correct on registration and insurance documents to avoid unnecessary notifications from the Department of Revenue.
If you do not respond to the request for information letter within 30 days, you will receive additional notices and potentially have to pay up to $125 in fines. You will also risk having your vehicle registration suspended and losing the right to drive your car if you fail to obtain automobile insurance or some other form of financial responsibility.
To learn more, visit www.driveinsuredtn.com or contact the DeKalb County Clerk’s Office. You may also email insurance.verification@tn.gov
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