Car Insurance Murfreesboro TN
Car Insurance Murfreesboro TN Coverages We Offer
Accidents, glass damage, lawsuits, hail, and morewe have affordable coverage options to protect against just about anything. Get a car insurance quote, and you can customize your coverages online. Savings with safe coverages.
Keep in mind, coverage offerings can vary by state.
Car Insurance Murfreesboro TN -Liability (bodily injury and property damage)
Covers damages you cause to others
If youre at fault in an auto accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers/passengers injuries. Plus, liability covers you if someone sues you over an accident.
Example: You rear-end another car, its damaged, the other driver is severely injured, and sues you. Well pay for the other drivers car repairs, injuries, and your costs from the lawsuit (up to the amounts you select). Theres no deductible for liability.
Car Insurance Murfreesboro TN Comprehensive and collision
Covers damage to your car
These are two separate auto insurance coverages. Comprehensive covers incidents out of your control: theft, vandalism, hitting an animal, fire, acts of nature, and glass damage. Collision covers car accidents.
Example (Comprehensive): You park your car outside during a major hailstorm, and its totaled. If you have comprehensive, well pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop, and cause $2,000 worth of damage to your vehicle. If you have collision, well then pay for your repairs (minus your deductible amount).
Car Insurance Murfreesboro TN Uninsured/underinsured motorist
Covers your injuries and damages
These can be two separate coverages: One that covers your injuries (bodily injury) and another that covers your vehicles damages (property damage). Both kick in if a driver hits you and doesnt have insurance or enough to pay for your losses.
Example: Another driver runs a red light and hits you. Theyre at fault and dont have insurance. If they cant or refuse to pay for your damages, you can instead file a claim with us. Well then pay for your repairs.
Car Insurance Murfreesboro TN Medical payments
Covers your injuries
Pays for medical costs if you, your passengers, or your family members are injured in a car accident (no matter who is driving). Medical payments coverage can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.
Example: Your newly licensed 16-year-old neighbor is driving your child to school, and theyre in an accident. Your child is injured and has a $1,000 medical bill. Instead of filing a claim with your health insurer, you can file with us and well simply pay the bill (up to your limit). No deductible applies.
Car Insurance Murfreesboro TN Rental car reimbursement
Covers rental car fees
Pays for your rental car fees while your vehicle is being repaired from a covered loss (that just means damages we or another insurance company pays for and not general maintenance).
Example: Your car is severely damaged in an accident, and repairs will take a week, so you need a rental. If you have rental car reimbursement, well pay for your rental car fees (up to your limits).