Motor Vehicles - As enacted, prohibits the initial issuance of registration of a motor vehicle if the vehicle has not met the requirements of the Financial Responsibility Law of 1977, which provides insurance and financial responsibility requirements for motor vehicle operators; makes related changes. - Amends TCA Title 29; Title 55 and Title 56.

HB 1690 increases penalties for drivers who fail to maintain auto insurance in Tennessee. It raises the fee for the first insurance coverage failure from $25 to $500 and imposes a $1,500 fee for second or subsequent failures within three years, which may lead to registration suspension or revocation. The bill also prohibits lawsuits seeking non-economic damages (like pain and suffering) if a plaintiff was not insured at the time of an accident. These changes apply directly to vehicle owners who do not comply with Tennessee’s financial responsibility law.