Tennessee Code Annotated
Tenn. Code Ann. § 56-53-103 (2026)
Unlawful insurance act - Civil violations
✓ current as of May 2026
- (a) Any person who commits, participates in, or aids, abets, or conspires to commit, or solicits another person to commit, or permits its employees or its agents to commit any of the following acts with an intent to induce reliance, has committed an unlawful insurance act:
- (1) Presents, causes to be presented, or prepares with knowledge or belief that it will be presented, by or on behalf of an insured, claimant or applicant to an insurer, insurance professional or a premium finance company in connection with an insurance transaction or premium finance transaction, any information that the person knows to contain false representations, or representations the falsity of which the person has recklessly disregarded, as to any material fact, or that withholds or conceals a material fact, concerning any of the following:
- (A) The application for, rating of, or renewal of, any insurance policy;
- (B) A claim for payment or benefit pursuant to any insurance policy;
- (C) Payments made in accordance with the terms of any insurance policy; or
- (D) The application for the financing of any insurance premium;
- (2) Presents, causes to be presented, or prepares with knowledge or belief that it will be presented, to or by an insurer, insurance professional or a premium finance company in connection with an insurance transaction or premium finance transaction, any information that the person knows to contain false representations, or representations the falsity of which the person has recklessly disregarded, as to any material fact, or that withholds or conceals a material fact, concerning any of the following:
- (A) The solicitation for sale of any insurance policy or purported insurance policy;
- (B) An application for certificate of authority;
- (C) The financial condition of any insurer; or
- (D) The acquisition, formation, merger, affiliation or dissolution of any insurer; or
- (3) Solicits or accepts new or renewal insurance risks by or for an insurer that the person knows was insolvent or the insolvency of which the person recklessly disregards.
- (1) Presents, causes to be presented, or prepares with knowledge or belief that it will be presented, by or on behalf of an insured, claimant or applicant to an insurer, insurance professional or a premium finance company in connection with an insurance transaction or premium finance transaction, any information that the person knows to contain false representations, or representations the falsity of which the person has recklessly disregarded, as to any material fact, or that withholds or conceals a material fact, concerning any of the following:
- (b) It shall be unlawful for any person to commit, or to attempt to commit, or aid, assist, abet or solicit another to commit, or to conspire to commit an unlawful insurance act.
Acts 2001, ch. 356, § 4.
Notes of Decisions
Cited in 19
cases (16 in the last 5 years), 2006–2025 · leading case: Plunk v. Shelter Mut. Ins. Co. (W.D. Tenn. 2023).
Plunk v. Shelter Mut. Ins. Co. (W.D. Tenn. 2023). “In response to the movant's assertion, Plunk, represented by Attorney Drayton Berkley, quotes the applicable statutory provisions thusly: Tenn. Code Ann. § 56-53-103 provides in relevant part that: Any person who commits, participates in, or aids, abets, or conspires to commit,…”
Volunteer Mgmt. & Dev. Co., Inc. v. State Auto Prop. & Cas. Ins. Co. (M.D. Tenn. 2024). “ANALYSIS Plaintiff asserts a claim for insurance fraud under Tenn. Code Ann. § 56-53-103 (a)(1). (Compl.”
Anderson Eye Care of West Tennessee v. Auto-Owners Ins. Co. (W.D. Tenn. 2023). “In both its response and its motion to remand, Plaintiff purportedly quoted the relevant statute as follows: Tenn. Code Ann. § 56-53-103 provides in relevant part that: (a) Any person who commits, participates in, or aids, abets, or conspires to commit, or solicits another…”
Anderson v. State Auto. Mut. Ins. Co. (W.D. Tenn. 2023). “See Tenn. Code Ann. § 56-53-103 . the appraisers appointing an umpire, dated September 8, 2022.”
Anderson v. Acuity, A Mut. Ins. Co. (W.D. Tenn. 2023). “In response, Plaintiffs, represented by Attorney Drayton Berkley, quote the statute thusly: Tenn. Code Ann. § 56-53-103 provides in relevant part that: Any person who commits, participates in, or aids, abets, or conspires to commit, or solicits another person to commit, or…”
Olympic Steakhouse v. W. World Ins. Grp. (W.D. Tenn. 2023). “) Plaintiff’s response purports to quote from the Act by stating, verbatim: Tenn. Code Ann. § 56-53-103 provides in relevant part that: Any person who commits, participates in, or aids, abets, or conspires to commit, or solicits another person to commit, or permits its employees…”
Plunk v. Shelter Mut. Ins. Co. (W.D. Tenn. 2024). “12(b)(6), in which it argued that § 56-53-103 had no application to it. (D.”
UnitedHealthCare Servs., Inc. v. Team Health Holdings, Inc. (E.D. Tenn. 2022). “Similarly, Tenn. Code Ann. § 56-53-103 prohibits the same conduct as § 56-53-102 and imposes civil remedies for injured parties.”
Anderson v. Acuity, A Mut. Ins. Co. (W.D. Tenn. 2023). “14), purporting to quote directly from the Act as follows: Tenn. Code Ann. § 56-53-103 provides in relevant part that: Any person who commits, participates in, or aids, abets, or conspires to commit, or solicits another person to commit, or permits its employees or its agents to…”
Volunteer Mgmt. & Dev. Co., Inc. v. State Auto Prop. & Cas. Ins. Co. (M.D. Tenn. 2024). “) Accordingly, in its complaint, Plaintiff requested the appointment of an umpire, asked for the initiation of an appraisal process, and sought damages for breach of contract and “insurance fraud” under Tenn. Code Ann. § 56-53-103 (a)(1). (Id. at 11–16.”
Anderson Eye Care of West Tennessee v. Auto-Owners Ins. Co. (W.D. Tenn. 2023). “Defendant Knight’s motion to dismiss, Plaintiff’s motion to remand, and Defendant Auto- Owners’ partial motion to dismiss all revolve around the same legal question: whether Plaintiff can state a claim against an insurance agent under Tenn. Code Ann. § 56-53-103 (a)(1).…”
Anderson v. State Auto. Mut. Ins. Co. (W.D. Tenn. 2023). “See Tenn. Code Ann. § 56-53-103 . 85.) Anderson responded on May 1.”
— Tenn. Code Ann. § 56-53-103(a)(1) — 9 cases
Plunk v. Shelter Mut. Ins. Co. (W.D. Tenn. 2023). “In response to the movant's assertion, Plunk, represented by Attorney Drayton Berkley, quotes the applicable statutory provisions thusly: Tenn. Code Ann. § 56-53-103 provides in relevant part that: Any person who commits, participates in, or aids, abets, or conspires to commit,…”
Plunk v. Shelter Mut. Ins. Co. (W.D. Tenn. 2024). “12(b)(6), in which it argued that § 56-53-103 had no application to it. (D.”
Anderson v. Acuity, A Mut. Ins. Co. (W.D. Tenn. 2023). “In response, Plaintiffs, represented by Attorney Drayton Berkley, quote the statute thusly: Tenn. Code Ann. § 56-53-103 provides in relevant part that: Any person who commits, participates in, or aids, abets, or conspires to commit, or solicits another person to commit, or…”
Anderson Eye Care of West Tennessee v. Auto-Owners Ins. Co. (W.D. Tenn. 2023). “In both its response and its motion to remand, Plaintiff purportedly quoted the relevant statute as follows: Tenn. Code Ann. § 56-53-103 provides in relevant part that: (a) Any person who commits, participates in, or aids, abets, or conspires to commit, or solicits another…”
Anderson Eye Care of West Tennessee v. Auto-Owners Ins. Co. (W.D. Tenn. 2023). “Defendant Knight’s motion to dismiss, Plaintiff’s motion to remand, and Defendant Auto- Owners’ partial motion to dismiss all revolve around the same legal question: whether Plaintiff can state a claim against an insurance agent under Tenn. Code Ann. § 56-53-103 (a)(1).…”
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