Tennessee has a Financial Responsibility Law that requires every driver to carry automobile insurance in the following minimum amounts:
$25,000 per injury/death for each accident
$50,000 for all injuries/deaths for each accident
$15,000 for property damage for each accident
Tennessee drivers must provide proof that they carry the minimum amount of insurance required by law. Failure to carry the required minimum insurance can lead to fines and loss of vehicle registration. And if you are found to be at fault for an accident while uninsured—or if the damages exceed your insurance limits—you may be personally responsible for any losses.
Because Tennessee is an at-fault accident state, every driver is responsible for the damages they cause to others’ body and property. In other words, if you cause an accident with another driver, that driver will seek compensation from your insurance policy. Likewise, if another driver hits you, you’ll make a claim with their insurance.
The majority of states are at-fault insurance states, but a number are no-fault insurance states. Tennessee borders two states that use no-fault insurance: Arkansas and Kentucky. When a Tennessean carrying at-fault insurance gets in a wreck in a no-fault state, the resulting claim can be more complicated and should be discussed with an attorney.
If you live in Nashville and need help with a car accident that occurred out of state, Morgan & Morgan has you covered. We have offices all over the South, including Arkansas, Kentucky, Mississippi, Alabama, Georgia, North Carolina, Virginia, and Missouri. No matter where you live, a car accident lawyer from Morgan & Morgan can help.