License, Insurance, and Registration Please

Accidents & Liability: Lesson 3

Criminal Penalties for Driving Without Insurance

  • Not only is it expensive to pay the damage you may cause for driving without insurance, it is a crime to drive without insurance.
  • Driving without insurance is a misdemeanor crime. Misdemeanors have fines and possible jail time up to a year, and misdemeanors show up on a criminal background check.
  • The first time you are found driving without insurance, you fine will be $300. Fines go up if it happens again.
  • If you are stopped by a law enforcement officer and they find you have no insurance, they can have your car towed to an impound yard. You’ll have to pay to get the car out of impound, and it can cost hundreds to get your car back. If you can’t pay the impound fee, you’ll just not be able to get your car back. It will most likely be auctioned off.
  • Without insurance, you will not be allowed to register your vehicle. Your car tags will be taken and you will then have a $300 reinstatement fee to get them back.
  • Tennessee will implement a computer system in January 2017 to track uninsured drivers and revoke registrations.


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