Financial Responsibility Law of 1977 and related motor vehicle insurance provisions

What this document is

Tenn. Code Ann. tit. 55, ch. 12 - Financial Responsibility Law of 1977 and related motor vehicle insurance provisions is a state statute published by Justia (law.justia.com), 2025 Tennessee Code. It is one of the Tennessee documents that insurance license exam questions are written from, including tennessee property & casualty practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Tenn. Code Ann. § 55-12-122(e)(1)

  “The liability of the insurance carrier, with respect to the insurance required by this part, shall become absolute whenever injury or damage covered by the motor vehicle liability policy occurs. The policy may not be cancelled or annulled as to the liability by any agreement between the insurance...”

• Tenn. Code Ann. § 55-12-122(d)

  “The motor vehicle liability policy need not insure any liability under any workers' compensation law nor any liability on account of bodily injury to or death of an employee of the insured while engaged in the employment, other than domestic, of the insured, or while engaged in the operation,...”

• Tenn. Code Ann. § 55-12-122(e)(3)

  “The insurance carrier shall have the right to settle any claim covered by the policy, and if the settlement is made in good faith, the amount thereof shall be deductible from the limits of liability specified in subsection (a);”

• Tenn. Code Ann. § 55-12-141(e)

  “If insurance maintained by a driver under subsection (c) or (d) has lapsed or does not provide the required coverage, insurance maintained by a transportation network company shall provide the coverage required by this section beginning with the first dollar of a claim and have the duty to defend such claim.”

• Tenn. Code Ann. § 55-12-142

  “An entity that employs, or contracts with, a driver who uses the driver's personal vehicle for the delivery of the entity's goods or services, and that does not provide automobile insurance coverage to the driver, must, at the time of hire, provide written notification to the driver that: (1)...”

• Tenn. Code Ann. § 55-12-139(e)(1)

  “On or before the court date, the person so charged may submit evidence of financial responsibility at the time of the violation. If it is the person's first violation of this section and the court is satisfied that the financial responsibility was in effect at the time of the violation, the charge...”

• Tenn. Code Ann. § 55-12-123

  “When an insurance carrier has certified a motor vehicle liability policy under § 55-12-120, insurance so certified shall not be cancelled or terminated until at least ten (10) days after notice of cancellation or termination of the insurance so certified shall be filed with the commissioner, except...”

• Tenn. Code Ann. § 55-12-302(f)(2)

  “(2) If coverage is applicable through more than one (1) motor vehicle liability insurance policy as set forth in subdivision (e)(4), then the order of priority of coverage is as follows, unless one (1) policy contains a provision affirmatively stating that the policy's coverage is primary and...”

• Tenn. Code Ann. § 55-12-139(h)

  “If a person displays the evidence in an electronic format pursuant to this section, the person is not consenting for law enforcement to access any other contents of the electronic device.”

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More Tennessee sources

• Tenn. Code Ann. s. 56-8-104: Unfair trade practices definedState statute
• Tenn. Code Ann. tit. 56, ch. 6 - Insurance Producers (Tennessee Insurance Producer Licensing Act of 2002)State statute
• Tenn. Code Ann. tit. 56, ch. 7 - Policies and Policyholders (life, accident and health, and group provisions)State statute
• Tenn. Code Ann. tit. 56, ch. 12 - Insurance Guaranty Association Act (Part 1) and Tennessee Life and Health Insurance Guaranty Association Act (Part 2, 56-12-201 et seq.)State statute
• Tenn. Code Ann. tit. 56, ch. 32 - Health Maintenance Organization Act of 1986State statute
• Tennessee Insurance Content OutlinesCandidate handbook or exam outline
• Tennessee Insurance Licensing Candidate HandbookCandidate handbook or exam outline
• 2025 Tenn. Pub. Ch. 150 (HB 1045): Tenn. Code Ann. Section 56-7-203, life insurance and annuity proceeds exempt from creditors' claimsState statute