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.

Special Laws for Motorcycles

• The commissioner of commerce and insurance fixes and establishes premium charges for insurers to provide a ten percent (10%) reduction in premium rates for motorcycle liability insurance to qualified licensed motorcycle operators who provide proof of successful completion of a state-approved rider training course. The premium reduction remains in effect for the qualifying insured persons for a period of three (3) years from the date of successful completion of the approved course. However, the insurer may elect to apply the premium reduction beginning at the next renewal date of the policy and continuing for a period of three (3) years.