DIFD-1 - Insurance Verification Overview

Tennessee law requires motorists to carry proof of financial responsibility. The most common way to meet this requirement under the law is to carry a minimum amount of auto liability insurance. The required minimum limits of your liability car insurance are:        

$25,000 for each injury or death per accident.   
$50,000 for total injuries or deaths per accident.         
$25,000 for property damage per accident.  

(If you have a car loan or lease, your lender may require you to have collision and comprehensive coverage.)       

Other ways you can show proof of financial responsibility to satisfy legal requirements are:         

posting a bond with the Department of Revenue for $65,000.           

making a cash deposit with the Department of Revenue for $65,000.          

Under the state’s new Electronic Insurance Verification System, you risk paying fines and potentially losing the right to drive your vehicle if you do not comply with the Financial Responsibility Law. You can’t afford not to have proper insurance coverage.

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