TENNESSEE AUTO INSURANCE GUIDE
Tennessee Rideshare & Transportation Network Coverage
Tennessee rideshare insurance changes according to app status and whether a prearranged ride is underway. Personal policies may exclude liability, UM/UIM, MedPay and other coverage during TNC use, while the TNC policy supplies statutory coverage during waiting and ride periods.
- Preserve app-status, trip and GPS records.
- Obtain the driver’s personal policy and transportation-network policy.
- Review personal-policy exclusions and rideshare endorsements.
- Verify current waiting-period and prearranged-ride limits and information-sharing duties.
Publication review note — September 17, 2026. Verify current TNC limits, exclusions, information-sharing duties and UM/UIM requirements before publication.
VictimsGuide 