4 HRs Personal Auto and Umbrella Insurance - Tennessee

✅ Approved by Tennessee Department of Commerce and Insurance | Provider #500032204 | Course #6000223773 | Only $19.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved hours toward your Tennessee insurance license continuing education with a course approved by the Tennessee Department of Commerce and Insurance for only $19.99. The hours apply to your 24-hour, two-year requirement and the course is approved in the Property & Casualty category, so you can enroll online and start on your own schedule.

The course is 100% online and self-paced. Log in and out as often as you need without losing progress. Your certificate is emailed the moment you finish, and 1st Choice CE reports your completion electronically, as Tennessee requires providers to do within 30 days.

✅ Course Details

• Course name: 4 HRs Personal Auto and Umbrella Insurance
• Approved by: Tennessee Department of Commerce and Insurance
• Provider number: 500032204
• Course number: 6000223773
• Course length: 4 hours
• Course category: Property & Casualty
• Course format: 100% online, self-paced
• Price: $19.99
• Certificate: emailed immediately after completion
• Reporting: 1st Choice CE reports your completion electronically, as Tennessee requires providers to do within 30 days
• Page URL: https://1stchoice-ce.com/courses/checkout/tennessee/4-hrs-personal-auto-umbrella-tennessee/
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Licensed property and casualty agents and producers
• Personal lines producers who quote and service auto policies
• Agents who explain uninsured and underinsured motorist options to clients
• Producers who recommend personal umbrella coverage
• Agency staff who handle household driver and vehicle changes
• Agents who need property and casualty credit toward Tennessee's renewal total

✅ Does This Course Satisfy the State Requirement?

This course provides 4 approved hours toward the 24 a Tennessee producer must complete every two years. It does not satisfy the requirement on its own, and it does not satisfy the separate 3 hours with a course concentration in ethics.

Tennessee treats an approved self-study course as worth the same number of hours as classroom instruction and sets no cap on self-study, so all 4 hours count in full. If you hold property and casualty authority, the one-time 3-hour flood course is a separate requirement.

✅ Tennessee Continuing Education Requirements

Tennessee requires 24 credit hours of approved continuing education every two years following the last day of the producer's birth month, under Rule 0780-01-56-.08 and Tenn. Code Ann. § 56-6-107(c). Three of those hours must have a course concentration in ethics. The 24-hour total does not change with the number of lines you hold - a producer with both Life & Health and Property & Casualty authority still completes 24, not 48. Holding more lines changes which mandated subjects apply, not the total.

• 24 credit hours in every two-year continuing education period
• 3 of the 24 must be in a TDCI-approved course with a concentration in ethics
• One-time 3-hour flood insurance course for resident property and casualty producers, which counts toward the 24 for one period
• 24 hours is the total no matter how many lines of authority you hold
• No cap on self-study or online hours - all 24 may be completed online
• Up to 12 excess hours carry over to the next period, but ethics hours never carry over

Tennessee treats an approved self-study course as worth the same number of hours as classroom instruction, and sets no cap on self-study or online hours, so the full 24 may be completed online. A producer may carry a maximum of 12 excess hours into the next period, but carryover never applies to the ethics hours - those must be earned fresh every period. The same course cannot be repeated for credit within two years. Resident property and casualty producers have a one-time 3-hour flood insurance requirement that counts toward the 24 for one period. A producer continuously licensed in Tennessee since January 1, 1994 is exempt from continuing education altogether. Nonresident producers satisfy Tennessee by meeting their home state's requirement where that state reciprocates.

How this course helps: This 4-hour course contributes 4 of the 24 credit hours a Tennessee producer must complete every two years. It is general credit, so it does not satisfy the separate 3 hours of ethics, and it is not the one-time 3-hour flood course that property and casualty producers need. Those hours must be completed separately.

✅ When Do Licensees Renew?

Tennessee producer licences run 24 months from the last day of your birth month, and you renew on or before the end of your birth month every other year. The continuing education deadline and the licence expiration date are the same day. Tennessee emails a renewal notice to your business email about 90 days out.

✅ How to Renew Your Tennessee License

1. Confirm your expiration date and lines of authority. Your licence runs 24 months from the last day of your birth month.
2. Work out which mandated subjects apply. Everyone needs 3 ethics hours. Property and casualty producers also need the one-time 3-hour flood course if they have not already taken it.
3. Complete all 24 hours before the end of your birth month in your renewal year.
4. Finish early. Providers have up to 30 days to report electronically, and the state system takes roughly another 72 hours to sync, so a course finished in the last week of your birth month can block your renewal even though you completed it on time.
5. Check your education transcript in State Based Systems and confirm the ethics hours posted with the ethics concentration.
6. Renew online at NIPR.com. The renewal window opens 90 days before expiration, and NIPR will not accept the application until your CE shows as compliant.
7. Pay the $60 biennial renewal fee, then confirm your licence shows active with an updated expiration date. Keep your original completion certificates for two years, as the rule requires.

There is no grace period. The licence expires at the end of your birth month. A renewal fee received after the due date carries a penalty of double the unpaid fee. You may reinstate the same licence within 12 months of the due date without retaking the written examination, but after 12 months you must apply as a new applicant and satisfy every initial licensing requirement again, including the exam.

✅ What You Will Learn

• Apply the personal auto policy definitions that decide who and what is covered
• Explain split and combined single liability limits and the insurer's defense obligation
• Handle permissive use, resident relatives and household driver questions correctly
• Compare uninsured and underinsured motorist coverage and explain why it matters
• Distinguish comprehensive from collision and set client expectations on each
• Show a client what a personal umbrella actually sits above and where it will not respond

✅ Course Content Overview

Hour 1: Personal auto policy structure and definitions: covered autos, you and family member, resident relatives, newly acquired vehicles, and how a definition rather than an exclusion often decides a claim.

Hour 2: Liability coverage: split limits and combined single limits, the duty to defend and defense costs outside the limit, permissive use and non-owned autos, and the exclusions that most often surprise a client.

Hour 3: Uninsured and underinsured motorist coverage, stacking concepts, personal injury protection and medical payments, and the order in which these coverages respond to an injury claim.

Hour 4: Physical damage and the umbrella: comprehensive versus collision, deductibles, total loss valuation, rental and towing, then the personal umbrella - required underlying limits, the drop-down question, and exposures it does and does not reach.

✅ Other Tennessee Insurance CE Courses

• 3 Hour Ethics for Insurance Agents - Tennessee – $19.99
• 3-Hour Flood Insurance (NFIP) - Tennessee – $19.99
• 4-Hour Annuity Best Interest and Suitability - Tennessee – $19.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - Tennessee – $19.99
• 8 Hours Initial Long-Term Care Insurance Partnership Training - Tennessee – $39.99
• 5 HRs Life Insurance Products and Retirement Planning - Tennessee – $19.99
• 4 HRs Medicare Advantage and Part D Update - Tennessee – $19.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Tennessee – $19.99

✅ Why Choose 1st Choice CE?

• Approved provider and approved course in Tennessee
• Affordable at $19.99
• 100%% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• We report your completion for you
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in 4 HRs Personal Auto and Umbrella Insurance for $19.99 and complete your 4 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.