Tennessee SR-22 Insurance
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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.