No, you are not required to have PIP (Personal Injury Protection) as part of your car insurance policy in the state of Tennessee. Tennessee is a tort state and does not require PIP as no-fault states, such as Florida, do.

Tennessee state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $15,000. This basic coverage is often referred to as 25/50/15 coverage.

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