This article provides a detailed overview of car insurance in Tennessee, highlighting the key factors to consider when choosing a policy. While cost is a significant consideration, it's not the only one. A low-cost policy that doesn't provide the necessary coverage is not a good deal.
Like most states, Tennessee mandates auto insurance. However, proof of insurance is not required when registering your car for the first time or renewing your registration. Despite this, drivers must be ready to present proof of coverage when requested by a law enforcement officer, either during a routine stop or following an accident.
The state sets minimum requirements for liability coverage, but additional coverage can be obtained and is sometimes required by others. For instance, businesses that employ drivers for deliveries or other tasks may require more than the state minimum. If a car loan is taken out, the lending company will likely require comprehensive and collision coverage to protect their interest in the vehicle.
There are two ways to establish financial responsibility to the state department. One is to purchase the minimum coverage they require. The other is to post a bond or cash deposit guaranteeing that you can cover at least the charges specified as minimum.
Proof of insurance or financial responsibility should be shown when pulled over by a law enforcement officer, or when involved in an accident. Therefore, you should carry either the card issued by your insurer or the card issued by the state department proving you have verified financial responsibility.
The penalties for not carrying sufficient coverage can be quite severe. Fines are under $100, but the license is suspended, and registration renewal is prevented. To register your vehicle, you will need to pay the fine, obtain coverage or post proof of financial responsibility, reinstate the license, and then the vehicle can be registered.
Car insurance rates in Tennessee are relatively high due to several factors. These include high speed limits (70 mph), a blood alcohol limit of 0.08, allowing open containers for passengers but not the driver, and more lenient DUI regulations. The fact that cell phone usage while driving is permitted also contributes to this. These factors tend to increase the likelihood of accidents and related damages, making it even more crucial to shop around for the best rates.
For more information on Tennessee's car insurance requirements, visit the Tennessee Department of Commerce & Insurance website. For a comparison of car insurance rates, consider using trusted sources like NerdWallet or Insurance.com.
Grand Canyon Helicopter Tours - Final Days Of Summer Deals
There's few more long stretches of extraordinary summer climate and now's an ideal opportunity to book that heli ride. Do recall that September is the busiest month of the year and that you should RSVP your visit, particularly on the off chance that you need to go at nightfall.
Top-Rated Grand Canyon Airplane Tours From Las Vegas
The West Rim is the place you get the most choices. To begin with, there's the visit that flies over the Canyon (if you don't mind take note of that all flights go over Hoover Dam, Lake Mead, and Grand Canyon) and afterward returns to Vegas. Takes around 3.5 hours add up to including inn exchanges.
Exciting, Fun Grand Canyon Helicopter Tours From Las Vegas
Helicopter visits from Vegas just go toward the West Rim. The South Rim is too far (in the event that you need the South Rim you have to fly visit). The trip to West Rim is 45 minutes and amid that time you go over Lake Mead, Hoover Dam, Colorado River and the Canyon.
