# Tenn. Code Ann. § 56-49-106: Exclusion from coverage

> Tennessee · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-106

## Section

- **Citation:** Tenn. Code Ann. § 56-49-106
- **Heading:** Exclusion from coverage
- **Jurisdiction:** Tennessee
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** TN Code / Title 56 / Chapter 49 / Section 56-49-106

## Text

(a) Creditor-placed insurance coverage shall not include: (1) Coverage for the cost of repossession; (2) Skip, confiscation and conversion coverage; (3) Coverage for payment of mechanics' or other liens that do not arise from a covered loss occurrence; (4) Coverage that requires a debtor's insurance deductible to be less than two hundred dollars ($200); or (5) Coverage that is broader than the insurance coverages that meets the minimum insurance requirements of the credit agreement. (b) Nothing in this section shall be deemed to prohibit the issuance of a separate policy or endorsement providing the coverages listed in subsection (a). However, no charge shall be passed along to the debtor for the coverages. Acts 1999, ch. 144, § 6.
(a) Creditor-placed insurance coverage shall not include: (1) Coverage for the cost of repossession; (2) Skip, confiscation and conversion coverage; (3) Coverage for payment of mechanics' or other liens that do not arise from a covered loss occurrence; (4) Coverage that requires a debtor's insurance deductible to be less than two hundred dollars ($200); or (5) Coverage that is broader than the insurance coverages that meets the minimum insurance requirements of the credit agreement.
(1) Coverage for the cost of repossession;
(2) Skip, confiscation and conversion coverage;
(3) Coverage for payment of mechanics' or other liens that do not arise from a covered loss occurrence;
(4) Coverage that requires a debtor's insurance deductible to be less than two hundred dollars ($200); or
(5) Coverage that is broader than the insurance coverages that meets the minimum insurance requirements of the credit agreement.
(b) Nothing in this section shall be deemed to prohibit the issuance of a separate policy or endorsement providing the coverages listed in subsection (a). However, no charge shall be passed along to the debtor for the coverages.
Acts 1999, ch. 144, § 6.

## Nearby sections

- [Tenn. Code Ann. § 56-49-101 Short title - Purpose](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-101.md)
- [Tenn. Code Ann. § 56-49-102 Applicability - Enforcement](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-102.md)
- [Tenn. Code Ann. § 56-49-103 Chapter definitions](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-103.md)
- [Tenn. Code Ann. § 56-49-104 Effective dates of insurance - Insurance charges](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-104.md)
- [Tenn. Code Ann. § 56-49-105 Premium rates](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-105.md)
- [Tenn. Code Ann. § 56-49-106 Exclusion from coverage](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-106.md)
- [Tenn. Code Ann. § 56-49-107 Policy delivery to debtor](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-107.md)
- [Tenn. Code Ann. § 56-49-108 Commissioner approval of forms and rates](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-108.md)
- [Tenn. Code Ann. § 56-49-109 Refund of unearned premiums and charges](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-109.md)
- [Tenn. Code Ann. § 56-49-110 Payment in event of loss](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-110.md)
- [Tenn. Code Ann. § 56-49-111 Creditor right to require insurance](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-111.md)
- [Tenn. Code Ann. § 56-49-112 Premium remittance - Commissions](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-112.md)
- [Tenn. Code Ann. § 56-49-113 Disclosure of insurance requirement](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-113.md)
- [Tenn. Code Ann. § 56-49-114 Investigations - Hearings and proceedings - Penalties for violations](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-114.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C49_S56-49-106. Check the current official text before relying on it. Not legal advice.