Tennessee SR-22 Insurance
Filing Proof of Future Financial Responsibility in Tennessee
If you've had your driver's license suspended in Tennessee due to driving under the influence (DUI) or driving while uninsured, you'll likely need to file an SR-22 form. This document is a certificate of proof of future financial responsibility required by the Tennessee Department of Safety for high-risk drivers. Maintaining an SR-22 is crucial for reinstating and retaining your driving privileges.
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Tennessee Financial Responsibility Laws
Tennessee law mandates that all drivers carry minimum liability insurance, which includes:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $15,000 for property damage per accident
Ensuring you have adequate insurance coverage is vital for meeting state requirements and avoiding further penalties.
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Understanding DUI Penalties and Requirements in Tennessee
A conviction for driving under the influence can lead to serious repercussions, including:
- Mandatory jail time
- Fines ranging from $350 to $1,500 for a first offense
- License suspension ranging from 1 to 8 years, depending on the number of offenses
- Compulsory participation in alcohol and drug treatment programs
- Installation of an Ignition Interlock Device (IID) on your vehicle
Tennessee Ignition Interlock Device (IID) Requirements
To deter repeat DUI offenders, the Tennessee Department of Safety & Homeland Security has implemented an Ignition Interlock Program. An ignition interlock device is a car breathalyzer that prevents the vehicle from starting if it detects alcohol on the driver's breath.
Installation of an IID can be mandatory (court-ordered) or voluntary in order to reinstate your driving privileges. The IID must be installed by a state-approved provider. Failure to provide proof of installation can result in additional sanctions.
What Happens if I Get a DUI in Tennessee?
First Offense
- Jail time : 48 hours to 12 months
- Fines : $350 to $1,500
- Driver's License Suspension : 1 year
Second Offense
- Jail time : 45 days to 12 months
- Fines : $600 to $3,500
- Driver's License Suspension : 2 years
Third Offense
- Jail time : 120 days to 12 months
- Fines : $1,100 to $10,000
- Driver's License Suspension : 6 years
Fourth Offense
- Jail time : 150 days to 12 months
- Fines : $3,000 to $15,000
- Driver's License Suspension : 8 years
FAQs About SR-22 in Tennessee
An SR-22 is not actual insurance, but a certification issued by your insurance provider to the Tennessee Department of Safety proving you carry the state’s required minimum coverage. It's necessary for drivers who've had their licenses suspended due to serious traffic offenses like DUI or driving uninsured.
In Tennessee, you are generally required to maintain an SR-22 for the length of your license restriction or for the same timeframe you are required to have an IID in your vehicle.
Failing to maintain your SR-22 filing can result in additional penalties, including further suspension of your driving privileges. It's crucial to ensure continuous coverage to avoid such consequences.
Get Back on the Road with Breathe Easy Insurance
Have your driving privileges been suspended due to a DUI or because you were uninsured? Breathe Easy Insurance Solutions is here to help. We can assist with filing your SR-22 quickly and efficiently, reducing the hassle and helping you meet state requirements. Call us today at 844-580-7525 to get started with a free SR-22 quote.
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