I live in Tennessee and am considering auto insurance. What do I need?
You will need to insure your vehicle before you take to the roads. A basic package will be available from any insurance carrier licensed to operate within the Volunteer State although it is suggested that you opt for a higher level of coverage if it is affordable.
What does the basic package do for me?
The basic package gives you sufficient insurance coverage to operate your vehicle legally. Tennessee uses the Tort system which means you’ll usually be adequately covered for any liabilities you incur when you are found to be at fault in a road traffic accident.
What sort of cover will I get with a basic package?
A basic package will provide bodily injury liability over to the value of $25,000 per person or $50,000 per accident. It will also include $15,000 worth of property damage cover.
Is that all I need?
In terms of adequate legal cover, a basic policy will be sufficient to drive your vehicle without falling on the wrong side of the law. This type of package might be ideal for older vehicles but if you drive a newer car, you may wish to consider upgrading.
What should I consider if I upgrade?
Personal injury protection and cover against uninsured or underinsured motorists are usually the most popular extra features. However, a comprehensive policy gives you total coverage although it is advisable to read the small print before deciding on any policy purchase.