Tennessee insurance regulator

The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.

Links checked Sep 12, 2026. Sites change — tell us if a link is broken.

This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.

Bodily injury liability, per person

$25,000

Bodily injury liability, per accident

$50,000

Property damage liability

$25,000

Personal injury protection (PIP)

Not required

Uninsured motorist coverage

Insurers must offer it; you can reject it in writing

A $65,000 bond or cash deposit also satisfies the law. UM coverage can be rejected in writing.

Source: Financial Responsibility Law - Tennessee Department of Revenue · Tenn. Code Ann. § 55-12-102; § 55-12-139; § 56-7-1201 · Reviewed Sep 13, 2026

NFIP claims, 2016–2025

3,888

$141.7 million paid

NFIP claims in 2025

371

$16.0 million paid

Standard homeowners and renters policies usually don’t cover flood damage. These figures count only National Flood Insurance Program claims. See all states and how we calculate this

Source: FEMA OpenFEMA NFIP Redacted Claims. Not adjusted for inflation.