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We would like to show you a description here but the site won't allow us. Accident Guide in Tennessee Unfortunately, accidents happen, and from a simple fender bender to a severe head-on collision, most accidents in Tennessee must be reported to at least one agency: your local law enforcement agency or the Tennessee Department of Safety (DOS).
In Hamilton County, statistics from the National Highway Traffic Safety Administration show that traffic crashes remain a primary public safety issue. Car, truck, bicycle, pedestrian, and motorcycle accidents are all a common occurrence, despite improvements in vehicle safety features, road design, bicycle and pedestrian corridors, and traffic.
Tennessee SR-22 rates are often far higher than general insurance rates within the state. However, it is important to know who needs SR22 insurance as there are a variety of reasons that you may be required to obtain this high-risk insurance policy. Depending on the circumstances, you could be required to maintain the insurance for up to five years. If required to complete an SR22 form, it is important that you do so immediately as failing to obtain or maintain financial responsibility will result in potential consequences, including jail time, fines and the suspension of your driver's license or vehicle registration.
Therefore, it is important that you familiarize yourself with Tennessee high-risk insurance laws. To learn more about SR-22 requirements in Tennessee, including what this form of insurance is, when it is required and how to obtain it, review the information provided within the section below.
What is Tennessee SR22 insurance?
Tennessee SR-22 rates are higher than general auto insurance due to the nature of this form of insurance. SR22 is considered a 'high-risk insurance' that is only required of individuals who are convicted of certain traffic-related offenses as well as after a driver's license is revoked or suspended. In circumstances like these, you will be legally obligated to obtain and maintain this form of high-risk insurance in order to satisfy proof of financial responsibility.
An SR22 form can be filed by an insurance company that has been licensed through the Tennessee Department of Commerce and Insurance. While rates are often higher for this form of insurance, the rates themselves are determined by the insurance company. Therefore, if trying to save money, it is important to review the insurance rates that different agencies offer.
Once required to obtain SR22, you will be required to maintain that insurance for a period of three to five years, depending on your circumstances and the nature of your conviction. During this period of time, you must maintain your insurance, even if you no longer have a vehicle. If you acquire a new vehicle, you will need to have your insurance agency complete a new form right away. Should you switch your insurance company during this time, you will be required to make sure that the company files immediately.
If an SR22 form is required after the suspension of your driver's license, it is important to know that you will not be required to obtain this form of insurance if you choose not to reinstate your driving privileges. For example, if five years have passed from the date of your driver's license suspension prior to the date that you pursue the reinstatement of your driver's license, you will not be required to obtain high-risk insurance.
On the other hand, if you do reinstate your driver's license and you lose your insurance or experience a lapse in coverage prior to the required time, your driving privileges will be suspended again.
Who needs SR22 insurance in Tennessee?
It is important to be aware of who needs SR22 insurance in order to better prepare you for possible convictions or suspensions. SR22 insurance is reserved for individuals who are convicted of particular vehicle-related violations, such as driving under the influence or vehicular manslaughter.
In many cases, you may also be required to obtain this high-risk insurance after having your driver's license suspended for various traffic violations. If required to obtain insurance, you will need to maintain it between three and five years, depending on your situation.
Reinstating Driving Privileges With SR22 in Tennessee
Despite SR-22 rates, the only way that you will be able to reinstate a driver's license in Tennessee that requires this form of insurance is by ensuring that your auto insurance agency files a form. Additionally, you will have to maintain your new insurance or risk having your driving privileges suspended for a second time.
Note: In some cases, you may be able to choose not to reinstate your driver's license for up to five years to avoid the insurance fees.
How to Get SR22 Insurance in Tennessee
You can obtain SR22 insurance quotes from any auto insurance provider that has been licensed through the Tennessee Department of Commerce and Insurance. Due to the fact that insurance rates will vary from one agency to the next, you are encouraged to shop around if you do not wish to remain with your current provider or you do not accept the rate that they offer.
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Once you have obtained this form of insurance, it is important that you avoid any lapses in your insurance until you have met the time requirements. In addition, it is worth knowing that some insurance companies may require that you pay for an entire premium up front as part of the insurance rather than make payments on monthly installments.
Once you have obtained this form of insurance, it is important that you avoid any lapses in your insurance until you have met the time requirements. In addition, it is worth knowing that some insurance companies may require that you pay for an entire premium up front as part of the insurance rather than make payments on monthly installments.
Penalties for Not Filing an SR22 Form in Tennessee
Should you refuse to obtain SR22 in Tennessee, you could be subject to additional legal consequences, depending on the nature of your driver's license suspension or conviction. Additionally, it is worth knowing that if your insurance is canceled prior to your required time period, your driver's license will be suspended, and you will be required to pay additional fees in order to reinstate it.
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Owner Operator Report
Unfortunately, accidents happen, and from a simple fender bender to a severe head-on collision, most accidents in Tennessee must be reported to at least one agency: your local law enforcement agency or the Tennessee Department of Safety (DOS).
Report to Law Enforcement
If you're involved in a vehicle accident, chances are you're going to need to report it to your local Tennessee law enforcement agency.
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Why?
All accidents that involve personal injury, death, and property damage that exceeds $50 must be reported. Let's face it: Most automobile accidents cause more than $50 in property damage.
Report to the Tennessee Department of Safety
The Tennessee Department of Safety classifies certain accidents as 'reportable.' This means anyone involved in these kinds of accidents must report them to the DOS.
Such reportable accidents include those that involve personal injury, death, and property damage that exceeds $1500. You report an accident using the Owner/Driver Report (Form SF-0395). This form is available online, at a law enforcement agency, or your local Highway Patrol office.
Note that you must report the accident within 20 days of the accident. Failing to report a 'reportable' accident could cause your driver's license and/or your registration to be suspended.
Insurance Requirements
After the accident has been reported to the DOS, you must show proof of adequate car insurance, unless you have notarized releases from each person involved in the accident.
You can claim financial responsibility in one of following ways:
- Show proof of insurance from your auto insurance company.
- Post a surety bond or cash in the amount that covers all damages. (Post the bond or provide the cash to the DOS.)
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If you can't show proof of insurance or post a bond or cash to the DOS, not only will your driver's license be revoked; your vehicle registration will be revoked, too. They'll be reinstated once you have an insurance company file an SR-22 Form.
Handling a Vehicle Accident
Accident reports aside, there are other ways in which you must handle a car accident. Below are a few tips to help you get prepared:
Tennessee Vehicle Accident Report
- Stop your vehicle at the scene of the accident or, if you need to unblock traffic, as close to the scene as possible.
- Make sure all vehicles involved are turned off.
- Call the nearest law enforcement agency.
- Exchange information with the other driver―names, addresses, telephone numbers, driver's license numbers, vehicle registrations, and car insurance information―and then wait for help to arrive.
If someone is seriously injured, you should only administer basic first aid assistance, i.e., covering the victim to keep him warm, wrapping wounds with clean material, or administering CPR.
Never move the victim unless it's absolutely necessary for his safety. If you do, make sure you keep him in the same position. In other words, don't drape him over your shoulders; don't bend his neck, waist, or knees; and don't drag him.
Tennessee Owner Driver Report Form
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