Tennessee car insurance coverage your policy must have

Liability coverage

As a resident of Tennessee, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.

• Property damage coverage safeguards your assets if you are found responsible for a covered accident. It covers damage you may cause to the property of another party.
• Bodily injury coverage safeguards your assets if you’re found responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other person.

When you buy cheap auto insurance in Tennessee, you’ll need at least the required state minimum amount: $25,000/$50,000/$15,000. In the event of an accident, if you are at fault, you may be covered up to $25,000 for bodily injury for each person with a total maximum of $50,000 per accident. Liability also can cover up to $15,000 in property damage per accident.

Liability coverage also provides for your legal defense is a suit is brought against you as a result of a covered accident.

Tennessee auto insurance coverage that’s smart to have

It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:

Comprehensive

This type of Tennessee auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.

Collision

Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).

Uninsured/underinsured motorist

Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or is underinsured.

• Bodily injury covers costs related to any bodily injury damages you sustain.
• Property damage covers damages sustained by your vehicle and other covered property (subject to deductible).

Medical payments

May cover necessary medical expenses for you and other persons who are covered under your vehicle’s policy in the event of an accident, regardless of who is at fault (as provided by your policy and state law). In your policy this may be referred to as Medical Payments, Medical Expenses or Medical Benefits.

Tailor your policy with these options

Accident Forgiveness

With this optional coverage, will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.

Roadside Assistance

Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.

Loss of use

If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.