Digital Dilemmas: Proving Auto Insurance In Tennessee

Tennessee's Financial Responsibility Law (TCA 55-12-139) requires motor vehicle owners to maintain proof of liability insurance coverage or a verifiable exemption. There are several ways to provide proof of auto insurance in Tennessee. One way is to visit www.driveinsuredtn.com, click Respond to Your Notice, and complete the online questionnaire. Another option is to use the MyTN mobile app, which provides access to various state government services, including vehicle registration renewal and insurance verification. Additionally, the Tennessee Insurance Verification application allows individuals to check their insurance status and make payments by entering their license plate number and PIN.

Using the Tennessee Insurance Verification application

Tennessee's Financial Responsibility Law (TCA 55-12-139) requires motor vehicle owners to maintain proof of liability insurance coverage or a verifiable exemption. If you need to verify your auto liability coverage, you can do so by visiting the Tennessee Insurance Verification application and entering your license plate number and PIN. This is also how you can make a payment, which will direct you to a page to do so after entering your license plate number and PIN.

To check the status of your motor vehicle liability policy, you can enter your license plate number and VIN (vehicle identification number) into the Tennessee Insurance Verification application. If the Tennessee Department of Revenue's Electronic Insurance Verification System (EIVS) is unable to confirm insurance coverage for a vehicle, a notice will be sent to the registered owner, directing them to DrivelnsuredTN to provide proof of minimum liability insurance or exemption.

You can also contact the EIVS Support Team within the Vehicle Services Division via email at [email protected], or by phone at 615-741-3101, option 2.

Renewing vehicle registration online

In Tennessee, it is important to maintain proof of liability insurance coverage or a verifiable exemption. If you are unable to do so, a notice will be sent to the registered owner requesting proof of minimum liability insurance or exemption.

To renew your vehicle registration online in Tennessee, you can follow these steps:

• Visit the website tncountyclerk.com.
• Select your county of residence from the drop-down menu.
• You can also use the Auto Assistant app, which you can download from your smartphone's app store.
• Alternatively, you can use a self-service kiosk. Kiosk locations can be found on the website.
• Send your payment and renewal notice to your local county clerk's office.
• You can also visit your local county clerk's office in person with your renewal notice or current registration.

Additionally, you can now opt out of vehicle registration renewal postcards and instead choose to receive email or text message reminders. Simply click on the "Go Green!" button at the top of tncountyclerk.com when renewing your vehicle registration online.

Providing proof of valid insurance

Tennessee's Financial Responsibility Law (TCA 55-12-139) requires motor vehicle owners to maintain proof of liability insurance coverage or a verifiable exemption. If you are unable to do so, a notice will be sent to the registered owner requesting that they provide proof of minimum liability insurance or exemption.

There are several ways to provide proof of valid insurance in Tennessee. One way is to visit the Tennessee Insurance Verification application and enter your license plate number and PIN. You can also enter your license plate number and VIN (Vehicle Identification Number) to check the status of your motor vehicle liability policy. Additionally, you can download the MyTN app, which allows Tennessee citizens to renew their vehicle registration and provide proof of vehicle insurance.

If you have received a notice from the Department of Revenue, you can visit www.driveinsuredtn.com and click "Respond to Your Notice." Then, complete the online questionnaire. You can verify your auto insurance coverage by providing your policy number, the date your policy began, and your auto insurer's NAIC Code, which should be listed on your auto insurance card or included in your insurance binder.

If you have been cited for an insurance violation, providing proof of valid insurance to the Traffic Violations Bureau on or before your compliance date can result in the nullification or dismissal of the violation without any additional fees. However, if you did not have valid insurance when cited for the violation, you must pay the fine and any associated fees and court costs by the compliance date.

Responding to a notice

If you've received a notice from the Tennessee Department of Revenue, you'll need to verify your auto liability coverage. This could be due to the Tennessee Electronic Insurance Verification System (EIVS) being unable to confirm insurance coverage for your vehicle.

To respond to the notice, you should visit the Tennessee Insurance Verification application online. Here, you will need to enter your license plate number and PIN. You can also use this application to check the status of your motor vehicle liability policy by entering your license plate number and VIN (Vehicle Identification Number).

You can also verify your auto insurance coverage by providing your policy number, the date your policy began, and your auto insurer's NAIC (National Association of Insurance Commissioners) Code. The NAIC Code should be listed on your insurance card or included in your insurance binder.

If you have any questions regarding your Request for Information Letter, First Notice, or Final Notice, you can contact the EIVS Support Team within the Vehicle Services Division by:

• Visiting the DrivelnsuredTN website
• Emailing [email protected]
• Calling 615-741-3101, option 2

Paying a reinstatement fee

Reinstatement Fee Amounts:

The cost of reinstating a suspended license in Tennessee typically ranges from $20 to $103. The specific amount depends on the type of violation that led to the suspension. Here are some common violations and their corresponding reinstatement fees:

• Uninsured car accidents (property damage): $25
• Uninsured car accidents (fatalities or injuries): $103
• Driving without insurance: $65
• SR-22 cancellation: $65
• 12 violation points: $65

Additional Fees:

In addition to the reinstatement fee, you may also need to pay the following additional fees:

• SR-22 Filing Fee: $50
• Failure to Surrender License Fee: $75 (if you didn't surrender your license within 20 days of suspension)

Installment Payment Plans:

If you owe a significant amount in reinstatement fees, you may be eligible for an installment payment plan. To qualify, you must owe more than $200 in reinstatement fees and satisfy all other requirements for reinstatement. Here are the key points about the installment plan:

• Down Payment: You'll need to make a down payment of $200, plus a $25 administrative fee when you enter the payment plan.
• Quarterly Payments: You'll then make payments of $300 every quarter (every 3 months) until the remaining balance is paid off.
• Maximum Duration: The plan allows a maximum of two years to pay off the balance.
• Consequences of Missed Payments: If you fail to make any payment as required, your driver's license will be revoked or suspended again, and you'll need to pay the remaining balance in full to reinstate it.

Where to Pay Reinstatement Fees:

You can pay your reinstatement fees and submit the required documents online, in person at a Driver License Reinstatement Center, via fax, or by mail. Here are the details for each option:

• Online: Log in to your TDOS e-services account and upload the necessary documents. You'll need to provide your last name, date of birth, driver's license number, and Social Security number.
• In-Person: Visit a nearby reinstatement center to submit your documents and fees in person.
• Fax: Send your documents to the fax number for reinstatement documents: (615) 242-3480.
• Mail: Mail your application and documents to the following address, including your full name, date of birth, and driver's license number:

Tennessee Department of Safety and Homeland Security

Attention: Reinstatements

P.O. Box 945

Nashville, TN 37202

Processing Time:

Keep in mind that it may take up to five business days for the Financial Responsibility Office to review and process your application, regardless of the submission method you choose.

Frequently asked questions