Tennessee

Tennessee has enactedSenate Bill 1667 which, among other provisions, requires auto liability insurers to use the Insurance Industry Committee on Motor Vehicle Administration (IICMVA) model, unless noted otherwise. Additionally, insurers must submit a full book of business on a weekly basis to the Department of Revenue. This report must include the vehicle identification number of each insured vehicle and the insurer’s NAIC code, as well as the policy number and effective date of each policy. The report may be submitted electronically or through another acceptable means of transmission. The bill also establishes that beginning January 1, 2027, and ending December 31, 2028, the Department of Commerce and Insurance is required to issue a data call to insurers every six months for aggregated data on auto liability policies issued and cancelled within 60 days due to policyholder request or failure to pay the premium.

On October 14, 2025, the Tennessee Department of Commerce and Insurance (DCI) issued Bulletin 25-03 regarding the use of aerial imagery. The bulletin provides reminders to insurers about how aerial imagery should be used in decision-making and claims settlements.

On November 6, 2024, Bill Lee, the Governor of Tennessee, issued Executive Order No. 107 to extend the state of emergency that was put in place on September 27, 2024, following severe weather and flooding in the state. 

On October 17, 2024, the Tennessee Department of Commerce and Insurance (TDCI) issued Bulletin 24-04 to all insurers authorized to write property and casualty insurance in the state, informing them of the catastrophe claims data call related to Hurricane Helene.

On April 22, 2024, Tennessee enacted House Bill 2100 regarding consumer protection. Among additional provisions, House Bill 2100 prohibits insurers from refusing to insure or charging a different rate to individuals, solely based on religious beliefs, political opinions, and other factors.

On December 9, 2023, Tennessee experienced devastating tornadoes that resulted in the destruction of property and other tragedies. The Tennessee Department of Commerce and Insurance (TDCI) issued Bulletin 23-06 following the tornadoes, requesting licensed insurers in the state of Tennessee to assist policyholders who have been affected by the tornadoes by suspending the cancelation or non-renewal of policies due to non-payment of premium for a period of at least 60 days.

On April 10, 2023, the Tennessee Department of Commerce and Insurance (DCI) issued Bulletin 23-01 requesting insurers' assistance with policyholders affected by the March 31, 2023 and April 1, 2023 tornadoes.