Tennessee SR-22 Insurance
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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...
Licensed Auto Insurance Agent
UPDATED: Nov 2, 2020
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What Is Tennessee SR-22 Insurance?
A Tennessee SR-22 car insurance form, or financial responsibility insurance certificate, is a document serving as proof that a driver is financially responsible for maintaining the minimum car insurance required by the state.
Six major factors affect car insurance rates in Tennessee. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a TN DUI.
Who needs SR-22 Insurance in Tennessee?
In Tennessee, SR-22 car insurance must be carried by uninsured motorists who were involved in an accident they caused and failed to pay for bodily injury or damages; motorists with unsatisfied judgments; motorists with revoked licenses or whom are under mandatory insurance supervision; and motorists with more than three mandatory insurance violation convictions.
Are There Different Types of Tennessee SR-22 Forms?
There three types of Tennessee SR-22 car insurance forms: Operator, Owner and Operator-Owner. Operator’s SR-22 auto insurance covers financial responsibility for drivers who operate but do not own a vehicle. Owner’s SR-22 insurance covers drivers who own and operate a vehicle. Operator’s-Owner’s SR-22 car insurance covers all vehicles owned or not owned by a driver.
Is SR-22 Car Insurance Required in Tennessee?
If convicted of serious moving violations like driving without insurance, drivers in the state of Tennessee must carry liability insurance and file a Tennessee SR-22 auto insurance form with the Tennessee Department of Commerce and Insurance. If an officer stops you during a traffic stop or accident and you fail to produce car insurance documents, you will pay a $500 fine and suspension of your registration and driver’s license.
How Do I File a Tennessee SR-22 Car Insurance Form?
You can ask your insurer to file your request for a Tennessee SR-22 auto insurance form with the Tennessee Department of Commerce and Insurance. You will have to pay a processing fee, which varies among agencies. You can go online to request a quote from insurance agencies in your area. Once your SR-22 car insurance form is accepted, your insurer will send you the SR-22 insurance along with a letter from the Department of Commerce and Insurance. You must maintain SR-22 auto insurance filing for three years and renew it 45 days before the expiration date. Your insurer will notify the State if your TN SR-22 car insurance form is not renewed at least 15 days before the expiration date, and the State may suspend your driving record until it is reinstated.