Tennessee drivers must carry at least $25,000 for injury or death to one person, $50,000 for injury or death to more than one person, and $25,000 for property damage. This is often written as 25/50/25.
This liability coverage pays for injuries and damage you cause to others. It doesn’t pay for your own injuries or your own car. Tennessee checks insurance electronically through its vehicle insurance verification program, and driving without insurance can lead to fines and a suspended registration.
Most Knoxville-area drivers are better protected with higher liability limits plus Uninsured Motorist, Medical Payments, Comprehensive, and Collision coverage.
Questions about your own policy? Ace Insurance Consultants in Knoxville helps homeowners and drivers across Tennessee compare options from multiple carriers.
Related FAQs
Yes, if you carry Comprehensive coverage. Comprehensive covers flood, hail, falling trees, wind, and theft. Liability-only policies, including Tennessee's minimum coverage, don't pay for damage to your own car. Flood-damaged ...
After a Tennessee car accident, move to safety, call 911 if anyone is hurt, exchange information, document the scene, and notify your insurance company. Check for injuries and move vehicles ...
It's strongly recommended. Industry estimates put roughly one in five Tennessee drivers on the road without insurance. Uninsured/Underinsured Motorist (UM) coverage pays for your injuries, lost wages, and in qualifying ...
