Tennessee Car and Motorcycle Insurance Law

Required Minimum Bodily Injury/Property Damage Coverage

• In Tennessee, you can choose between a "split limit" or a "single limit" policy.
• The split limit is $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident. This also requires a minimum property damage coverage amount of $15,000 for injury to or destruction of property of others in any one accident.
• The single limit is $60,000 per accident for all damages.

Optional Insurance Coverage

• Uninsured Motorist (UM) Coverage. In Tennessee, UM coverage includes underinsured motorist (UIM) coverage. UM must be at least the minimum amount of bodily injury coverage required. If an insured purchases more than the minimum amount of required bodily injury coverage, he or she can purchase lesser amounts of UM.