Tennessee auto insurance law
Know Your Policy
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Auto insurance is required by law in Tennessee. Failure to comply can lead to serious penalties including fines, vehicle immobilization, and suspension or revocation of license.
Liability insurance is the second level of coverage required by law. It covers liability for injury to passengers, third parties, other vehicles and property. Failure to carry adequate insurance can lead to fines, vehicle immobilization, suspension or revocation of license.
Comprehensive coverage covers damage to third parties, property, and injuries to passengers. It can also provide financial compensation for medical bills if you are at fault. If you are at fault in an accident and there are passengers in your car, this type of coverage pays for any medical expenses and lost wages.
Collision coverage pays the cost of repairs to the other car and yourself if your car is involved in a collision. This also includes the cost of towing out of the accident scene and is not restricted to commercial vehicles only.
Bodily injury is another type of coverage mandated by law in Tennessee. This type of insurance pays for damages to yourself or others caused by another driver who is at fault in an accident.
Personal injury coverage pays for medical expenses or damages from an on-the-job accident to yourself or others in the event of being involved in an accident on the job. This policy does not cover passengers in your car.
Finally, collision and comprehensive insurance cover the cost of repairs to your vehicle if it is involved in an accident. You may need to replace parts, but you may also be liable for many of the repairs. Liability insurance covers the cost of a lawsuit against you in court that results from an accident on the job.
By reading this guide, you will understand what coverage is required by law in Tennessee to legally drive a car. You should now have a good understanding of the different types of coverage and what each requires.
The minimum amount of coverage required is usually liability. This coverage covers the cost of any damage caused by another driver that causes you to incur personal injury damages. Liability insurance can also cover medical bills if you are at fault in an accident.
Comprehensive coverage pays for any other type of expenses you incur in the event of an accident. It pays for repairs to property, personal property and your vehicle, as well as medical expenses if you are injured on the job. It can also pay for lost wages and lost earnings if you are unable to work for a certain period of time. If you are a driver who files an accident claim, comprehensive coverage will pay for any legal fees.
No matter what type of auto insurance you choose, the state requires you to always keep a clean driving record. The state also has a no-fault insurance program. With this policy, you can drive legally even if your auto insurance has lapsed.
Comprehensive coverage also pays for accidents that occur when the only other person at fault is you. In addition, it pays for any damage to other people, your property, or your vehicle.
If you are convicted of a crime or are found guilty of a traffic violation, you will lose your no-fault policy and have to purchase uninsured motorist coverage. You may also be required to carry uninsured motorist or personal injury coverage.
You must read your policy carefully to learn about the different types of coverage, the deductibles required, and the maximum limits of each. policy. Be sure to discuss your policy with a qualified agent before you sign it.