Tennessee just tightened auto insurance from two sides – new coverage rules for delivery-app drivers, and far steeper penalties for going uninsured.
In May 2026, Governor Bill Lee signed two laws that reshape auto coverage in the state. One builds an insurance framework for gig delivery. The other rewrites the penalties for driving uninsured and, in narrow cases, limits what a repeat-uninsured driver can recover after a crash.
The first, Public Chapter 1011, sets liability requirements for delivery network companies, or DNCs – the app-based platforms that connect customers with drivers delivering goods in their own cars. Starting January 1, 2027, those companies and their drivers must carry coverage while drivers are working…