Cheap Auto Insurance Rates Tennessee

 

Reader’s Question:

I received a speeding ticket in VA but I am from Johnson City, Tennessee , what will happen next to my car insurance?

Robert

Johnson City, TN

 

Because you are from Tennessee, this out of state traffic violation may or may not put points onto your Tennessee license.

Tennessee dropped out of the Drivers License Compact (DLC) in 1997 but the state still share tickets violations back to your home state and other states can still share moving violations to the Tennessee Department of Safety. You will have to contact this state agency to verify if the Virginia speeding ticket is on your driving record.

If the speeding ticket appears your Johnson City, Tennessee driving record, your car insurance rates could be affected depending on your insurance carrier’s rating system. You may contact your insurance company to find out about their rating system or contact your state’s insurance regulator.

 

Memphis Auto Insurance Rates

Reader’s Question:

If I received a speeding ticket in Virginia, but I am licensed in Memphis Tennessee, will I receive points on my TN drivers license still?

Jane

Memphis, TN

Virginia is part of the Drivers License Compact (DLC) but Tennessee is not a member of DLC. Still, TN does acquire information from other states regarding moving violation convictions.

If the Virginia courts notify the Tennessee Department of Safety regarding the speeding citation, if you are convicted of it, then it will likely go on your TN driving record. According to the TN Department of Safety if you are convicted of an out of state ticket, such as speeding in VA, and their courts notify the TN DPS that the offense will go on your driving record and points will be assessed.

SR22 Tennessee

Reader’s Question:

How long do I have to carry the sr22 in Tennessee for first offense of DUI?

Willie

Thank you for asking Willie.

The Tennessee Department of Safety states that a financial responsibility or sr22 may be required for a period of five (5) years from your date of suspension. If the SR-22 is filed for within the five (5) year period only, the SR-22 may be terminated so long as it is not required anymore on any other suspension. The SR-22 would not be required if 5 years pass from the date of suspension before you reinstate your privileges. If the SR-22 is cancelled before the required period that you should carry it and a new form is not filed, this will result to suspension of your driving privileges.

A SR-22 form is proof of future financial responsibility If you are required to file a SR-22, then you may contact your insurance provider and inform them of the needed filing with your state. The form must be filed by an insurance provider licensed through the Tennessee Department of Commerce and Insurance to issue auto liability insurance coverage in the state of Tennessee. The minimum limits of liability required in Tennessee is 25/50/10. The forms must be issued from a liability insurance company.

Goodluck!

MariCAR