Amends TCA Title 55, Chapter 12 and Title 55, Chapter 4.

Tennessee HB0864 amends the Tennessee Code Annotated regarding motor vehicle registration and financial responsibility requirements. It affects vehicle owners by requiring proof of compliance with the Financial Responsibility Law for registration or renewal, including documentation of insurance coverage. Key provisions include the introduction of a coverage failure fee structure, with increasing penalties for subsequent notices of uninsured vehicles, and stipulations on how the fees are distributed among county clerks and the department of safety.