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Car Insurance Liability Requirements in Smithville
- Minimum Liability Limits in Smithville: 25/50/15 [4]
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- 25 Required coverage up to $25,000 for one individual injured in an accident
- 50 Required coverage up to $50,000 for all persons injured in an accident
- 15 Required coverage up to $15,000 for property damage in an accident
- Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.
- Note: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.
Required Car Insurance Coverage in Smithville
- Smithville Auto Insurance Coverage Requirements [4]
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- Bodily injury liability coverage
- Property damage liability coverage
Car Insurance Verification Laws in Smithville
- Insurer Verification of Auto Insurance in Smithville [4]
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- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
Smithville Car Insurance Facts, Estimates & Related Laws
Smithville Car Insurance Stats
- Number of Auto Insurance Policies in Smithville
-
- Based on historical and current data, 3,072 cars are currently insured in Smithville. [5]
- Tennessee cities collectively ranked 15th in the nation in auto insurance policies in 2011 with a total of 4,303,507. [1]
- Uninsured Motorist Rate in Smithville
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- Based on historical and current data, Smithville has an estimated 775 uninsured drivers. [6]
- Tennessee cities collectively had the 4th highest uninsured motorist rate in the nation in 2009. [3]
- Average Car Insurance Rates in Smithville
-
- Tennessee cities collectively had the 38th highest auto insurance rates in the nation in 2010. [2]
Smithville Distracted Driving Laws
- Hand-held phone ban? No
- Texting-while-driving ban? Yes
- Texting-while-driving ban in place for all drivers. [7]
- Young drivers cell phone ban? Yes
- Ban applies to learner's permit and intermediate license holders. [7]
- Bus driver cell phone ban? Yes
- Ban applies to school bus drivers. [7]
- Enforcement of laws:
- Primary enforcement in effect. [7]
- With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.
Smithville Automotive Laws
- Minimum Driving Age in Smithville [9]
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- Smithville, TN minimum driving age: 15 years.
- Driver's License Renewal Cycle in Smithville
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- Renewal cycle: 5 years [7]
- Motorcycle Helmet Laws in Smithville
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- Motorcycle helmets required for all riders. [7]
- Safety Belt Laws in Smithville
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- Safety belt laws have been in place since 1986 and apply to drivers/passengers 16+ years in front seat. [7]
- Child restraint law in place for younger than 1 year or 20 pounds or less in a rear-facing infant seat; 1 - 3 years and 20+ pounds in a forward-facing infant seat; 4 - 8 years and less than 4-feet-9-inches in booster. [7]
Tennessee Car & Driver Facts
Tennessee Auto Registrations
- Auto Registrations in TN [8]
-
- Registered Cars: 2,637,423
- Registered Trucks: 2,483,721
- Registered Motorcycles: 168,420
- Total Registrations: 5,302,335
- Rank: Tennessee ranked 16th in the United States in total auto registrations in 2011.
Tennessee Automotive Facts
- Speed Limits in TN
-
- Rural interstates: 70 mph [7]
- Urban interstates: 70 mph [7]
- Other roads: 65 mph [7]
- Tennessee Motor Fuel Consumption
-
- Tennessee cities collectively ranked 15th in the nation in total motor fuel consumption in 2011. [10]
Tennessee Licensed Drivers
- Licensed Drivers in TN [11]
-
- Female Drivers: 2,353,546
- Male Drivers: 2,190,213
- Total Drivers: 4,543,759
- Rank: 17th highest in the U.S.
Additional information about Smithville, TN
About Smithville
Smithville (Tennessee) is a city with a population of 4,530 [12] that is located in DeKalb County.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau
6. ^ Insurance Research Council (IRC) and United States Census Bureau
7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ Insurance Institute for Highway Safety (IIHS)
10. ^ U.S. Department of Transportation
11. ^ Federal Highway Administration
12. ^ United States Census Bureau
13. ^ National Highway Traffic Safety Administration (NHTSA)
14. ^ National Telecommunications & Information Administration (NTIA)
