TN

Tennessee Insurance Regulations

Consumer rights and insurance laws in Tennessee

Overview

Tennessee Department of Commerce and Insurance oversees insurance regulation and consumer protection. Tennessee has one of the shortest statutes of limitations in the country at just 1 year for personal injury claims.

Key Insurance Regulations in Tennessee

  • Modified comparative fault — barred at 50% or more fault
  • 1-year statute of limitations for personal injury, 3 years for property damage
  • Mandatory auto insurance: 25/50/15 minimum liability

Filing an Insurance Complaint in Tennessee

If you believe your insurance company has acted unfairly or violated Tennessee insurance laws, you can file a complaint with the Tennessee Department of Commerce and Insurance. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Tennessee Department of Commerce and Insurance typically responds to complaints within 30 days.

Tennessee Department of Commerce and Insurance

Insurance Commissioner: Carter Lawrence

Phone: (615) 741-2241

Website: https://www.tn.gov/commerce/insurance.html

File a Complaint: Consumer Complaint Portal

Diminished value claims in Tennessee

Only in a limited way. Tennessee's Court of Appeals measures car damage by the repair cost or the drop in market value from just before to just after the crash, not both, and in Grimes (2012) it said a decrease in value measured after the repair is not a recognized element of damages. You have three years to sue for injuries to personal property (Tenn. Code Ann. § 28-3-105), and under Tennessee's modified comparative fault rule you recover only if your fault is less than the other driver's.

Read the Tennessee diminished value guide

Insurance Claim Guides for Tennessee

Browse our detailed insurance claim guides tailored specifically to Tennessee laws and regulations.

Auto Insurance Claims in TennesseeHome Insurance Claims in TennesseeHealth Insurance Appeals in TennesseeInsurance Denial Letter Templates in TennesseeDemand Letter Guide in TennesseeInsurance Settlement Calculator Guide in TennesseeDiminished Value Claims in TennesseeTotal Loss Dispute Guide in TennesseeBad Faith Insurance Claims in TennesseeUnderinsured Motorist Claims in TennesseeUninsured Motorist Claims in TennesseeRental Car Insurance Coverage in TennesseeGAP Insurance Claims in TennesseeInsurance Subrogation Explained in TennesseePIP (Personal Injury Protection) Guide in TennesseeBodily Injury Claims in TennesseeProperty Damage Claims in TennesseeLiability Claim Process in TennesseeComprehensive Insurance Claims in TennesseeCollision Insurance Claims in TennesseeFlood Insurance Claims in TennesseeFire Insurance Claims in TennesseeTheft Insurance Claims in TennesseeVandalism Insurance Claims in TennesseeAuto Glass Insurance Claims in TennesseeHail Damage Insurance Claims in TennesseeWind Damage Insurance Claims in TennesseeWater Damage Insurance Claims in TennesseeMold Insurance Claims in TennesseeRoof Damage Insurance Claims in TennesseeFoundation Damage Claims in TennesseeSinkhole Insurance Claims in TennesseeEarthquake Insurance Guide in TennesseeHurricane Insurance Claims in TennesseeTornado Damage Insurance Claims in TennesseeLightning Damage Insurance Claims in TennesseeTree Damage Insurance Claims in TennesseeFence Damage Insurance Claims in TennesseeAppliance Breakdown Claims in TennesseeIdentity Theft Insurance Claims in TennesseeCyber Insurance Claims in TennesseePet Insurance Claims in TennesseeTravel Insurance Claims in TennesseeLife Insurance Disputes in TennesseeDisability Insurance Claims in TennesseeWorkers' Compensation Claims in TennesseeLong-Term Care Insurance Claims in TennesseeDental Insurance Appeals in TennesseeVision Insurance Claims in TennesseePrescription Drug Appeals in TennesseeAccident Scene Documentation in TennesseeInsurance Adjuster Tactics in TennesseeDiminished Value Calculator Guide in TennesseeTotal Loss Vehicle Valuation in TennesseeCCC Valuation Report Explained in TennesseePain and Suffering Calculation in TennesseeMedical Bills in Auto Claims in TennesseeLost Wages Insurance Claims in TennesseeFiling a Bad Faith Insurance Lawsuit in TennesseeWhen to Hire a Car Accident Lawyer in TennesseeInsurance Claim Timeline Guide in TennesseeIndependent Vehicle Appraisal Guide in TennesseeAppraisal Clause in Auto Insurance in TennesseeDiminished Value by State in TennesseeTotal Loss Threshold by State in TennesseeRental Car After an Accident in TennesseeYour Rights During Car Repairs in TennesseeOEM Parts in Insurance Claims in TennesseeInsurance Negotiation Tactics in TennesseeDemand Package for Auto Claims in TennesseeCommon Insurance Claim Denial Reasons in TennesseeStatute of Limitations for Auto Claims in TennesseeFiling Claims in No-Fault States in TennesseeAt-Fault Accident Claims in TennesseeComparative Negligence in Claims in TennesseeUninsured Motorist Property Damage in TennesseeHit and Run Insurance Claims in TennesseeParking Lot Accident Claims in TennesseeRideshare Accident Insurance Claims in TennesseeCommercial Vehicle Accident Claims in TennesseeDeer Collision Insurance Claims in TennesseeFlood Car Damage Claims in TennesseeCatalytic Converter Theft Claims in TennesseeCar Break-In Insurance Claims in TennesseeTire Blowout Accident Claims in TennesseePothole Damage Insurance Claims in TennesseeHail Damage Car Claims in TennesseeHow to Review Your Auto Insurance Policy in TennesseeAuto Insurance Coverage Gaps in TennesseeMulti-Vehicle Accident Claims in TennesseeDisputing Fault Determination in TennesseeFiling an Insurance Commissioner Complaint in TennesseeNegotiating Diminished Value Claims in TennesseeFighting a Total Loss Declaration in TennesseeBodily Injury Settlement Guide in TennesseeInsurance Fraud Prevention Guide in TennesseeSubstandard Auto Repair Claims in TennesseeTotal Loss Buy-Back Process in TennesseeInsurance Claims After a DUI in TennesseeCommercial Auto Insurance Claims in TennesseeStorage Unit Insurance Claims in Tennessee

Other State Insurance Regulations

AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKS — KansasKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming

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