Tennessee SR22 Insurance Explained

Tennessee SR22 Insurance Explained

An SR-22 form is proof of future financial responsibility as required under Tennessee Code Annotated 55-12-114. If you are required to file a SR-22, then you should contact us and advise us of your needed filing with the state of Tennessee. The form must be filed by a licensed insurance provider like Select Insurance Group through an insurance company licensed through the Tennessee Department of Commerce and Insurance to issue motor vehicle liability insurance coverage in Tennessee. The minimum limits of liability required in Tennessee are 25/50/15. A SR-22 can be required for a total of 5 years from your date of suspension.

If the SR-22 is filed for a total of 3 years (36 months) within the 5-year period, the SR-22 may be cancelled provided it is not required on any other suspension. If 5 years pass from the date of suspension before you reinstate your privileges, then the SR-22 would not be required. If the SR-22 is cancelled before the required time and a new form not filed, your driving privileges will be suspended. Since we work with multiple SR-22 auto insurance companies in the state of Tennessee we will be able to get you the coverage you require. The Tennessee Department of safety runs a very strict code of ethics when dealing with its insurance requirements, which seems a bit of an extremity considering the state’s earlier history. 

Before the year 2001 no one in Tennessee was required to carry insurance of any kind on their vehicle. However, due to the skyrocketing number of driving fatalities and traffic violations it was noted that insuring Tennessee’s drivers was necessary.  Between the time of the 1980′s well into the 90′s the death rate for traffic accidents had shot up an overwhelming 72%.  State drivers are now required to carry a minimum amount of coverage on liability.  Since the turn of the century the state has really cracked down on what it expects out of its drivers.  The following is run-down of the minimal requirements for a driver with SR-22 documentation.

Due to such stern requirements for the amount of coverage alone, the state has forged an equally strict policy on its SR-22 requirements.  The SR-22 is a written or electronic document that is issued by the Department of Safety in each state to show that an individual is indeed making good on their financial responsibility in order to maintain a record of standing as a driver of that state.  The insurance company has a 10-day grace period in which it is to process the appropriate information and provide proof of that individual’s purchase of a liability policy.  The document is often times a necessity for the driver who is high at risk to carry especially when they have been involved in accident or have committed any number of traffic violations without reporting them to the proper authorities.

Tennessee’s issues regarding the reasons why a driver would be issued an SR-22 include:

1. If an individual’s license has been reinstated after having been suspended due to the driver who is at fault not owning any insurance.

2. If an individual’s license has been revoked due to t his/her first citing for not carrying an SR-22 during their first offense. .

3. If the driver’s license has been reinstated after having been revoked on account of excessive points that count against him/her.

4. If an individual has had their license reissued to them after being suspended from a DUI. The times during which such a driver might have to produce such a document are during the time that he/she is in an accident or if they are stopped a routine checkpoint.

A driver may also have to submit proof of their financial responsibilities when they are registering a new vehicle. A driver’s lack of willingness to comply with Tennessee’s insurance requirements can very well lead to the suspension of the driver’s license on top of a $100 fine.  The driver may also be subject to a STOP on their vehicle registration privileges and if this is done the driver might not be able to renew their vehicle or register one ever again.  For further information on some of the state of Tennessee’s other state laws and regulations contact the Tennessee Department of Safety.

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