Tennessee law requires that motorists have only $25,000 of liability of coverage. If the driver who injures you has only a minimum limits policy ($25,000), then this is the maximum that his insurance company can be forced to pay. Any additional payments will have to be made by the driver himself, which as explained above in No. 11, are very difficult to obtain. To add to the difficulty against the driver personally is the fact that the insurance company will not pay you until you release in writing your rights against the responsible driver.