Tenn. Code Ann. » Tenn. Code / Title 55 / Chapter 12 / Part 1
Tennessee Code Annotated

Tenn. Code Ann. § 55-12-101 (2026)

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✓ current as of May 2026
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This part shall be known and may be cited as the "Tennessee Financial Responsibility Law of 1977."

Acts 1977, ch. 446, § 1; T.C.A., § 59-1251.

Notes of Decisions
Cited in 16 cases (1 in the last 5 years), 1984–2026 · leading case: Edward Martin v. Gregory Powers, 505 S.W.3d 512 (Tenn. 2016).
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Edward Martin v. Gregory Powers, 505 S.W.3d 512 (Tenn. 2016). · cites it 4× “In its memorandum of law supporting its motion, IDS argued that, because Enterprise is a self-insurer under the Tennessee Financial Responsibility Act, Tenn. Code Ann. §§ 55-12-101 to -140 (2012) (―the FR Law‖), the Rental Car did not qualify as an ―uninsured motor vehicle‖…”
Starr v. Hill, 353 S.W.3d 478 (Tenn. 2011). · cites it 2× “Tenn.Code Ann. §§ 55-12-101 to -140 (2008 & Supp.”
Purkey v. Am. Home Assurance Co., 173 S.W.3d 703 (Tenn. 2005). · cites it 3× “The current law was enacted in 1977, see Tenn.Code Ann. § 55-12-101, but its core provisions are largely unchanged from the 1949 law.”
Dunn v. Hackett, 833 S.W.2d 78 (Tenn. Ct. App. 1992). · cites it 2× “§ 56-7-1201(a)(2) specifically prohibits limits of uninsured motorist coverage lower than the amount required for liability policies under the financial responsibility law in T.C.A. § 55-12-101 et seq., and no fair reading of this law permits the conclusion that an insurance…”
Stallcup v. Duncan, 684 S.W.2d 643 (Tenn. Ct. App. 1984). · cites it 3× “T.C.A. § 55-12-101 et seq. (1983). The Financial Responsibility Act of 1977 and its predecessor address the financial responsibility of persons causing motor vehicle accidents.”
Setters v. Permanent Gen. Assurance Corp., 937 S.W.2d 950 (Tenn. Ct. App. 1996). · cites it 2× “She argues that by excluding “innocent victims from coverage” and “unfairly exposing the insured to liability without coverage,” this exclusion contravenes the public policy of Tennessee, as expressed in the Financial Responsibility Law of 1977, as amended (the Act), T.”
Pritchard v. Eberhardt (In Re Eberhardt), 92 B.R. 773 (Bankr. E.D. Tenn. 1988). · cites it 2× “Tenn.Code Ann. § 55-12-101, et seq. (1980 and Supp.”
Norton v. Tennessee Dep't of Saf. (In Re Norton), 76 B.R. 624 (Bankr. M.D. Tenn. 1987). “§ 55-12-101 et seq. (1980 & Supp.1986). Debtor Kenny Norton’s (“Norton”) accident occurred on February 4, 1986.”
Tennessee Farmers Mut. Ins. Co. v. Brandon W. DeBruce (Tenn. Ct. App. 2018). · cites it 2× “See Tenn. Code Ann. § 55-12-101 , et seq. (2017).”
Tennessee Farmers Mut. Ins. Co. v. Brandon Debruce (Tenn. 2019). · cites it 2× “Here, the Court of Appeals relied on Commercial Casualty, noting that drivers in Tennessee are subject to the mandatory provisions of the Tennessee Financial Responsibility Law of 1977, Tennessee Code Annotated section 55-12-101 et seq. Tenn. Farmers, 2018 WL 3773912 , at *6.”
Craig Williams v. State Farm Mut. Auto. Ins. Co. (Tenn. Ct. App. 2020). · cites it 2× “Appellants contend that paragraph 5 of the Rental Agreement is contrary to the Tennessee Financial Responsibility Law of 1977, Tennessee Code Annotated section 55-12-101, et seq. (“TFRL”). At section 55-12-122, the TFRL provides: (a) An owner’s policy of liability insurance…”
Craig Williams v. State Farm Mut. Auto. Ins. Co. (Tenn. Ct. App. 2020). · cites it 2× “Appellants contend that paragraph 5 of the Rental Agreement is contrary to the Tennessee Financial Responsibility Law of 1977, Tennessee Code Annotated section 55-12-101, et seq. (“TFRL”). At section 55-12-122, the TFRL provides: (a) An owner’s policy of liability insurance…”
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