Insurance required for emergency wrecker service and non-consent wrecker operators.
Memphis Code of Ordinances § 6-88-31
in effectSec. 6-88-31. - Insurance required for emergency wrecker service and non-consent wrecker operators.
A. No license to operate an emergency wrecker service shall be issued, become effective or continue in force and effect unless there is in full force and effect a liability insurance policy covering the wrecker owner and his towing and wrecker operation as follows. Such liability insurance policy shall be with an insurance company authorized to do business in Tennessee and approved by the commission and shall be filed with the secretary of the commission.
1. A garage keeper's legal liability policy covering fire, theft, explosion, and collision in the following amounts: fire, theft and explosion, all in the minimum amount of $100,000.00 collision;
2. A garage liability policy covering the operation of applicant's own business, equipment and/or vehicle in the amount of $750,000.00 combined single limits to cover bodily injury, including death and property damage.
B. The policy or policies must contain an endorsement providing for 30 days' notice to the city in the event of any material change or cancellation of the policy or policies.
C. The City of Memphis shall be named as an additional insured on each policy provided in this section as set forth in paragraph (A).
D. Those permitted to operate a wrecker service or emergency wrecker service shall comply with the insurance requirements contained in this section if they engage in non-consent tows.
(Ord. No. 5133, § 1(part), 4-18-2006)
Source: City of Memphis, Code of Ordinances and Charter and Related Laws (Municode Library, library.municode.com)URL: https://library.municode.com/tn/memphis/codes/code_of_ordinances?nodeId=TIT6BULIRE_CH6-88WRTOOP_ART2PERE_S6-88-31INREEMWRSENNSWROPFetched: 10/28/2026