Auto Insurance

What Are the Auto Insurance Requirements for Tennessee?

The law in the state requires drivers to be financially responsible in the event of a car accident. One of the ways to meet this financial responsibility is by getting a proper liability insurance policy. This policy must have $50,000 of coverage for total injuries per accident, as well as $15,000 for property damage per accident. If you’re financing or leasing your car, your lender may require some additional coverage, but it’s not required by the state.

Benefits of Auto Insurance

Besides being required by law in Tennessee, there are some other benefits of having car insurance. Car insurance can cover legal fees that are brought upon you due to an accident. Legal fees and settlements can get expensive quickly, especially if there are injuries or death due to an accident. If you have comprehensive and collision coverage, you can get your car repaired or replaced if there is damage. Not having a car can be a huge burden and can affect your ability to work in some areas. It can be difficult to avoid driving but having auto insurance will give you some peace of mind while driving.

Optional Car Insurance

Since you aren’t required to get more than the minimum, there are other policies you may want to discuss with your agent at IRM Insurance to help provide more complete coverage. Collision coverage will help pay for your vehicle damages in the event of an accident. Comprehensive coverage will cover damage to your car that isn’t related to an accident, such as weather or theft. Uninsured and underinsured motorist coverage will help pay for accident damage and injures if you get into an accident with an individual who doesn’t have enough insurance or no insurance at all. Medical expenses coverage can help pay for your medical bills after an accident and is useful to have if your health insurance isn’t enough. Car rental coverage will help pay for the cost of car rentals while your car is being fixed.

Contact IRM Insurance to get a quote on auto insurance.

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