While it is Tennessee state law that all drivers must carry bodily injury liability and property damage liability insurance, there are drivers who choose not to have insurance on their vehicles. And, while these drivers could end up getting caught and fined, the real issue is for others who end up in accidents with these uninsured drivers.
According to the Insurance Research Council, 14 percent of drivers in the U.S. are uninsured. In response to the high number of uninsured drivers on the road, many insurance regulators have responded by charging more for insurance to those who are following the law and getting coverage.
Of course though, charging more for those following the law is not a real solution to the insurance problem as it does not deter those without insurance from continuing to drive. This is why some states are using databases to try and get uninsured drivers off of the road and putting laws in place that restrict uninsured drivers from suing after getting into an accident.
According to a 2012 Insurance Research Council study, those states with "no pay, no play" laws can see up to a 1.6 percent decrease in the uninsured-motorist rate.
Sadly though, even with laws in place -- and states starting to experiment with other deterrents -- there are still those drivers who will weigh the odds of getting caught without insurance against actually paying to have insurance. When this driver gets into an accident though, and causes injuries and damages to others, it can quickly become rather complicated for those injured who want to collect.