If I inadvertently leave my driver's license at home and I get in a car accident, will my insurance rates go up in Tennessee?

Will forgetting my license add an additional amount to my monthly premium? Sometimes I take my license out of my wallet and forget. I'm worried if I get in an accident and don't have it that it will affect my insurance too.

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Sophie Newman
Answered on Jul 22, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.
“In Tennessee, driving without a license in your possession is a Class C misdemeanor that’s punishable by up 30 days in jail and/or a maximum fine of $50.
But because driving without a license in your possession isn’t a moving violation, it’s unlikely that it will cause your car insurance rates to go up.
If you’re in an accident, you’re definitely going to see a rate increase, regardless of who’s at fault.
On average, you should see a spike of 12% on your rate. That’s not bad considering your rates would go up 45% on average if you caused the accident.
Even if you’re not in an accident, always keep your license with you. It’ll save you some hard-earned cash in the long run.”
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