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Insurance Violations

INFORMATION YOU NEED TO KNOW ABOUT TENNESSEE’S FINANCIAL RESPONSIBILITY LAWS (T.C.A. §55-12-139 - 140)

NOTE: If you hold a commercial driver’s license issued in any state, you are not eligible to attend Defensive Driving classes per 49 C.F.R. §384.226 and T.C.A. §55-10-301(c). 49 C.F.R. §384.226 also does not allow for the nullification of moving or non-moving traffic violations. This applies regardless of the type of vehicle being operated at the time of the violation. Refer to the Fine Amount columns on the Moving and Non-Moving Violations tables for the corresponding fine for your
violation(s).

Which of these two cases apply to you?

  1. If you were cited for not having proof of insurance in your vehicle, you must provide proof that you had current, valid motor vehicle insurance when the citation was issued on or before your Compliance Date by presenting your insurance card or declaration page, along with your nullification payment and fees, to the Traffic Violation Bureau.

    2. Result of having valid insurance at the time you received your ticket and showing proof and making payment by your Compliance Date: Your license will not be suspended due to this infraction and you will not have a STOP placed on your Vehicle Registration Renewal.

  2. Due to change in legislation effective July 01, 2009, if you were cited for not having proof of insurance in your vehicle, and you did not have valid motor vehicle insurance at the time the citation was issued, the Clerk's office does not have the authority to nullify the offense.

    3. Result of paying the original fine by the Compliance Date: Your driving privileges will be suspended by the Tennessee Department of Safety until you meet all of the requirements necessary for reinstatement by the Tennessee Department of Safety:

Financial Responsibility Division
1150 Foster Avenue
Nashville, TN 37210
(615) 253-2094

The Traffic Violation Bureau cannot accept proof of insurance after your Compliance Date has passed.

For more information regarding Tennessee’s insurance laws, you may visit the Department of Safety’s Financial Responsibility Web site.



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