SR22 insurance Tennessee is high risk insurance you must purchase after license suspension in order to get a restricted license. It is not an insurance policy itself, but is a certificate attached as a rider to your auto insurance policy. The certificate is filed with the Tennessee Department of Motor Vehicles (DMV) by your insurance provider. An SR22 filing is a guarantee that you will carry the state’s minimum liability insurance requirement for a certain time period in the future.
Reasons people need SR22 insurance Tennessee
Situations that may result in a license suspension that requires a Tennessee SR22 filing include:
- Uninsured accidents
- DUI or DWI offenses
- Refusal to consent to a DUI test
- Child support or neglect cases
- A legal judgment
- Multiple accidents
- Excessive points against a driver’s DMV record
What happens when I buy SR22 insurance Tennessee?
When you purchase an SR22 policy, your insurance provider files the certificate with the Tennessee DMV. After license reinstatement in Tennessee, your SR22 policy is monitored to make certain it policy remains in effect for the time period the state requires. In most cases you’ll need to carry SR22 insurance Tennessee for three to five years. If your SR22 policy lapses, expires or is canceled during that time period the insurance company will submit an SR26 filing to the DMV, resulting in another suspension or revocation of your license. This will require going through the whole reinstatement process again, most likely with additional fines and/or fees assessed.
More information about getting a Tennessee restricted license is available on the Tennessee DMV website.
Can I get SR22 insurance Tennessee if I don’t have a car?
There are two kinds of SR22 insurance Tennessee. People with a suspended license who don’t own a vehicle will purchase Tennessee non owner SR22 insurance. This is insurance is written to cover only you, the policyholder. You’ll be covered for liability when driving a non-owned vehicle on an occasional basis. In Tennessee there’s another SR22 insurance option called broad form SR22 insurance, which you can get whether you own a car or not.
UltraCar Insurance provides competitive Tennessee SR22 quotes from top companies, and will find the best rate and policy for your needs. Call us if you have questions about SR22 insurance Tennessee, or start an online quote now!
