Liability insurance will cover the costs of the other party’s medical bills and repairs to their damaged property if you are at fault for an accident. This is the most basic level of Tennessee auto insurance to legally drive in this state. Many drivers choose to get more than the minimum required coverage, since vehicle repairs and medical bills can often far exceed these amounts.

If you want your own repair costs and rental car covered after an accident, you will need comprehensive and collision coverage. While collision coverage will take care of the damage to your vehicle and after an accident, comprehensive policies also cover related costs incurred from fire, theft, vandalism, or damage to the windshield from rocks and other debris. Acceptance offers flexible monthly payment options for comprehensive and collision coverage based on the deductible you select.

This is an important type of insurance to have whether it’s required or not, because not all drivers on the road are carrying insurance, or many have insufficient coverage. With uninsured motorist insurance, you can be sure you’re covered.