TN HB1690

Increases coverage failure fees from $25 to $500 for first-time violations, from $100 to $1,000 for continued coverage failures, and creates a new $1,500 fee for repeat offenders within three years

Prohibits vehicle registration issuance or renewal for owners flagged as potentially uninsured until they provide proof of insurance valid for at least 30 days

Bars uninsured vehicle owners or operators from recovering noneconomic damages (pain and suffering) in motor vehicle accident lawsuits, though exceptions apply if the at-fault driver was intoxicated, acted intentionally, fled the scene, or was committing a felony

Distributes coverage failure fees among county clerks ($200-$600), the Department of Safety ($50-$150), and the uninsured motorist identification restricted fund, with 20% of county clerk funds earmarked for program administration

Requires insurance companies to report their full book of business weekly instead of monthly, and authorizes TDOT to display insurance requirement reminders on interstate electronic signs; fee provisions take effect July 1, 2027