TN Insurance question

I'm transferring my insurance from VA to TN.

Instead of one policy for three cars, the agent here wrote three policies, one for each car.
They tell me that's a requirement in TN.

Are they blowing smoke at me?

Or is this a TN State Farm mandate, rather than TN's?

(I had State Farm in VA, and it's taken SF nearly a month to convert that to TN poicies.)

 

Or State Farm policy by state.

I had three cars on one State Farm policy in Virginia, but they say they have to do separate policies in Tennessee.

... Aha! ...
I looked for information on "stacking" -- combining "uninsured motorist" coverage.
(E.g. With stacking, if you're injured by an uninsured motorist, stacking could let you combine coverage to increase your limits.)
Per my web search, TN and GA specifically limit stacking to between different policies. Virginia does not have that restriction.
Stacking your UM/UIM auto insurance coverage

Whether the stacking restriction is because of a requirement to have per-car policies, or whether the per-car requirement is because of stacking limits, I can't say.
But that would be why we need separate policies per car, in these states.

Of course, the policies themselves might prohibit stacking.

But at least I found *something* that supports the "separate policy" requirement.


Administration management: the art of making simple things ridiculously complicated.