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What is the law on auto liability insurance in Tennessee?


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2005-01-30 10:31:55
2005-01-30 10:31:55

Tennessee requires "Proof of Financial Responsibility" which can be satisfied by liability insurance with minimums of 25/50/10. Otherwise, a bond or other assurance of ability to pay damages is required. Proof is not required at the time of vehicle registration, but penalties are incurred if proof is not provided at the time of an accident. Proof is required regardless of fault, so all parties must provide it. Most drivers opt for insurance.


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Auto insurance is a state law requirement in PA. You are only required to carry liability insurance.

Auto liability insurance is specifically designed to cover any damage caused to other vehicles if you have an accident. It does not cover reapirs to your own vehicle. It is by law the minimum requirement for insurance in every state.

If the law requires you to have insurance (Auto Liability) or someone else does (your mortgage company, your auto lender) you could be in hot water if you don't have it. Otherwise, you don't have to have insurance.

Most of the auto insurance packages come with liability insurance included, since it is usually required by the law. The main purpose of the liability insurance is to provide compensation in case of an accident. In order to make things clearer for you, when you, for example, are involved in a car crash and you have liability insurance in place, the insurance company will pay compensation to the other side. You can also check out my related links for more information and examples.

In PA you are required to carry at least liability coverage. This is the law in most states.

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In many or most states not having liability is against the law. No insurance and you drive illegally, or you do not drive at all.

The law requiring mandatory car insurance states that individuals and businesses are required by law to possess valid auto mobile insurance designed to cover the risk of financial liability in the event of an accident.

You must purchase the minimum state liability limits required by law. Anything else is optional.

I assume you are referring to auto liability insurance. Each state legislature sets there own minimum limits. The requirement is by law and not made by the insurance companies themselves. Be very careful carrying the minimum state required liability insurance because you are responsible for anything over your coverage limits. At least be educated about what the liability coverage you have means.

Yes in the state of Ohio you need to have insurance on your auto the min you may have is $12,500 per person on bodily injury coverage. Ohio law you must on any auto have insurance and there is a min coverage law set by the state of Ohio.

Liability insurance for drivers is a requirement in the state of Mississippi. The other party involved in this accident does not have insurance. I do have liability insurance. The accident was not reported although law enforcement was called and an accident report was completed. The other party now wants me to fix her automobile. What are my rights in this situation?

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The Law in Georgia about drivers having auto insurance is no different to any other state,you must have auto insurance if you drive a car.

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This branch as law deals with property, life, and liability insurance; fire and automobile insurance forms; and the regulation of insurance companies' policies and practices.

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Auto insurance is not required in Tennessee, but the laws do require that the driver responsible for an accident take financial responsibility for any bills that those involved in the collision generate. Tennessee drivers may place a deposit that will be designated for these expenses if the driver ever causes an accident. Tennessee drivers have a less expensive option; they can purchase liability coverage from an auto insurance company.Bodily Injury and Property Damage Liability Required LimitsWhen Tennessee drivers make the choice to purchase auto insurance, they will need to purchase it in the limits that Tennessee has set. Auto insurance coverage allows for a certain amount of money to be allotted toward those who were affected by an auto accident. Drivers may be able to set their limits higher than Tennessee's limits, but they can also purchase the amount of coverage that complies with the laws. In Tennessee, these limits are:$25,000 for expenses due to one person injured or killed$50,000 for the expenses of all people injured$15,000 for all property damages resulting from one accidentDriving without Proof of Insurance Is a Class C MisdemeanorAfter drivers purchase the liability limits outlined above, their auto insurance companies will give them a document proving they have auto insurance coverage. They will need this proof in the event that they break a law and are stopped by law enforcement or they are involved in a car crash. They will need to present this proof to the officer, otherwise, they will be charged with a Class C misdemeanor.The PenaltiesThe penalties for failing to show proof of auto insurance in Tennessee are:A maximum fine of $100A driver's license suspensionThe inability to re-register the automobileTennessee's Driving Under the Influence LawsBy becoming a licensed driver in Tennessee, people are automatically consenting to giving their blood, breath or urine for a chemical test. The result may be that these drivers are charged with driving under the influence (DUI) and given the consequences required in the state of Tennessee. For the first offense, some of what these drivers will experience is:A jail sentence between two days and 11 monthsA fine between $350 and $1,500A year's driver's license suspensionAnother important consequence is that auto insurance in Tennessee will become highly expensive because of the DUI conviction on their driving records.

When you shop for car insurance, know about your state's auto insurance laws. Find out whether your state operates on a no-fault or tort system, which will determine how your claims progress and are processed and whether things like liability coverage will be used in a standard claim. You should also find out about your state's minimum requirements for car insurance. Knowing the law is important, because you can get a better handle on what you need to buy and why your insurance rate is priced where it is after reading about the factors that affect auto insurance in your state.

If your daughter has her own auto policy, is driving your car, and is involved in an accident, yes, the liability can be some cases. Each state law is different so call your agent or your auto claims department. 4lifeguild

All states have regulated the minimum required Liability Limits of Auto Insurance within that state. Your lienholders Finance Contract that you signed will determine the amount of your property insurance coverage required to protect their interest in your financed vehicle.

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