Automobile Liability Insurance — Noncancellable and Guaranteed Renewable Policies

1. Law
2. Tennessee Code
3. Insurance
4. Policies and Policyholders
5. General Provisions — Auto Insurance
6. Automobile Liability Insurance — Noncancellable and Guaranteed Renewable Policies

1. Any insurer licensed to write automobile liability insurance in this state may issue a noncancellable and guaranteed renewable automobile liability insurance policy, which shall not be cancelled by the insurer and may be renewed at the option of the insured for so long as:
   1. The insurer remains licensed to write automobile liability insurance in this state;
   2. The insured and all other operators of the insured motor vehicle maintain valid operator's licenses;
   3. All premiums, premium balances and renewal premiums are paid when due; and
   4. The insured motor vehicle is used for any purpose for which the insurer has a valid rate approved by the commissioner.
2. If membership in any organization is a prerequisite for the issuance of all policies by an insurer, then the insurer may require active membership and continuation of active membership for the issuance of the policy or renewal of the policy issued by the insurer.
3. Any insurer who issues an automobile liability insurance policy with noncancellable or guaranteed renewable restrictions, using rates or rating plans filed with and approved by the commissioner, may not be bound by the restrictions if any rates or rating plans that have been filed for the specific use of the policies are subsequently rejected by the commissioner.

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