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PROPOSEDAMENDEDTennesseeHIGH IMPACT

Increased Penalties for Noncompliance with Financial Responsibility Law

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PROPOSED LEGISLATIONThis bill has been introduced but has NOT been signed into law. Legislative proposals may be amended, passed, or fail to advance. This is not current law.

This proposed bill would increase penalties for failing to comply with Tennessee's financial responsibility law. Previously, the coverage failure fee was $25 for the first offense; this bill would raise it to $500 and further increase it to $1,500 for second or subsequent offenses, leading to suspension or revocation of vehicle registration. Additionally, if a plaintiff is not in compliance with the financial responsibility law, they would be barred from recovering noneconomic damages from a defendant arising out of the use of a vehicle. This change affects all drivers and impacts their ability to recover certain types of damages in case of an accident.

Published May 7, 2026TCA Title 29; Title 55 and Title 56
WHAT CHANGED
BEFORE

The previous law imposed a $25 fee for the first failure to comply with the financial responsibility law, without provisions for suspension or revocation of registration.

AFTER

This proposed bill would increase penalties for failing to comply with Tennessee's financial responsibility law. Previously, the coverage failure fee was $25 for the first offense; this bill would raise it to $500 and further increase it to $1,500 for second or subsequent offenses, leading to suspension or revocation of vehicle registration. Additionally, if a plaintiff is not in compliance with the financial responsibility law, they would be barred from recovering noneconomic damages from a defendant arising out of the use of a vehicle. This change affects all drivers and impacts their ability to recover certain types of damages in case of an accident.

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