What are Tennessee’s Motorcycle Insurance Requirements and Laws?
Tennessee’s motorcycle insurance requirements and laws include requiring riders to carry sufficient coverage and have a valid license. Failure to comply with these mandates can result in penalties. If you get into an accident and do not have valid insurance, you can be 100% responsible for all associated losses.
You should take time to learn about Tennessee’s motorcycle insurance requirements before you ride anywhere in the state. That way, you can purchase adequate insurance coverage. If you are involved in an accident, your insurance may protect you against losses.
In addition, following a motorcycle collision, seek legal help. Work with a Nashville motorcycle accident lawyer who knows the ins and outs of the state’s requirements and laws for riders. They can answer any questions you have about motorcycle insurance in Tennessee and how it applies to your case. Your attorney could help you hold a liable party responsible for the losses you incur in your crash.
Do you need a motorcycle license in Tennessee?
You need a motorcycle license to ride in Tennessee legally. This license is available to state residents ages 16 and older. The license confirms an individual can ride a 50cc motorcycle in accordance with state mandates.
A motorcycle license can be issued on its own or as part of a driver’s license. You can apply for a license to ride a motorcycle at a Tennessee driver services location.
The requirements to obtain a motorcycle license vary depending on an applicant’s age and if they already have a valid driver’s license. You may have to pass motorcycle knowledge and road skills tests. If you previously completed a Motorcycle Safety Foundation (MSF) course in a different state or country, you may be exempt from Tennessee’s motorcycle road skills test.
Do you have to have motorcycle insurance in Tennessee?
You must have motorcycle insurance coverage if you reside in Tennessee and ride anywhere in the state. Here are the minimum insurance requirements for Tennessee riders:
- $25,000 per person
- $50,000 per accident
- $15,000 in property damage coverage for each accident
These minimums apply if you are liable for an accident. However, if someone else causes an accident, your insurance carrier will not necessarily cover you.
You have the option to purchase supplemental motorcycle insurance. This coverage can help protect you financially if a motorist crashes their car into you. It can be used to cover your medical bills and other crash-related losses.
Alternatively, after a motorcycle crash caused by a negligent motorist, you could sue for damages. In this case, you will need to discuss your collision with a Nashville personal injury attorney who has motorcycle crash case experience. Your lawyer can submit a personal injury lawsuit on your behalf.
Will my insurance cover me if I get into a motorcycle accident?
Motorcycle insurance is designed to protect you financially if you are liable for a crash. In this scenario, your insurer can compensate any parties that suffered losses due to your actions. They can provide compensation up to your coverage limits. Beyond this point, you may have to pay the difference in losses.
Collision, comprehensive, and other supplemental motorcycle insurance coverage options are available. If you purchase additional insurance, you can raise your policy’s limits.
If a driver or someone else is to blame for your motorcycle crash, you have the right to sue them for damages. A motorcycle accident lawyer can explain how to submit a lawsuit.
What should I do if I get into a motorcycle accident?
Take a deep breath and try not to panic. The moments after your motorcycle crash can feel overwhelming. Do your best to remain calm. Use these tips to help you stay safe during this difficult time.
Dial 911
Call 911, and medical personnel and police officers will travel to the accident scene. You can have medical professionals evaluate and treat your injuries. Meanwhile, the police will talk to you about your accident and use the information you share in their report of the incident.
Get the other driver’s information
Ask the driver involved in your crash for their contact, driver’s license, and insurance information. If the motorist pressures you to accept responsibility for your accident, do not say anything. By accepting the blame for your crash, you could hurt your chances of suing this motorist or any other liable parties.
Gather evidence
If you have your smartphone with you, and it is safe to do so, use it to take photos and videos of the crash scene. Also, if witnesses are present, get their contact information. You can follow up with these individuals in the days after your crash, and they may be willing to make statements for your case against any at-fault parties.
Notify your insurance company
Tell your motorcycle insurance carrier about your crash. This will open an insurance claim. Your insurer will work with the insurance companies of other parties involved in your collision. Together, these companies can determine who is at fault for your accident.
Partner with a motorcycle accident lawyer in Nashville
Choose an attorney who has helped past clients achieve outstanding verdicts and settlements. Your lawyer can learn about your accident, explain your legal options and help you prove that you are in no way to blame for this incident.
The time frame in which you are allowed to sue for a motorcycle accident is limited. Based on Tennessee Code § 28-3-104, you have one year from the date of your motorcycle crash to request compensation from a liable party.
A Nashville motorcycle accident attorney who fights hard for their clients
Rocky McElhaney Law Firm: Car Accident & Injury Lawyers are an experienced team of Nashville attorneys. Our lawyers know how serious motorcycle accidents are and how these injuries can leave individuals and their families struggling with medical bills, lost wages, and other losses. We are prepared to fight to get you the compensation you need. To request a free consultation with an experienced motorcycle accident lawyer, contact us today. We have offices located in Nashville, Hendersonville, Clarksville, and Murfreesboro.