Liability Insurance and Medical Protection

Liability Insurance and Medical Protection
Auto Insurance– Basic Insurance Coverage Options

Liability Insurance Coverage

Liability insurance is one of the most important types of car insurance. If you’re at fault during an auto accident and other people are injured, liability insurance covers the cost of damage you are responsible for. To legally drive in Tennessee you are required to carry both bodily injury and property damage liability. When weighed against the costs of paying medical and repair bills out of your pocket, liability insurance is definitely a worthwhile investment.

Medical Payments Insurance Coverage and Medical Insurance Plans

Medical bills can become very costly. Medical Payments Insurance covers your medical expenses when you’re inured in a covered accident. Though, this is not a required for drivers in Tennessee, this coverage is a great supplement to your current health coverage in the event of an accident and adds an extra blanket of security for you and those you care for.

Medical payment insurance helps cover medical bills for you, your family or other passengers who are injured in an accident, regardless of who is at fault. This optional insurance also covers anyone listed under the plan who may be injured while riding along in another person’s vehicle.

Underinsured / Uninsured Motorist Insurance Coverage

There are a lot of people on the road and not all of them are covered by an insurance policy. If a uninsured or underinsured driver damages your car or injures someone riding with you, this insurance protection covers many of the damages.

Getting in an accident is already a stressful situation. Don’t add to your troubles by having to pay out of pocket for someone else’s poor decision. Uninsured or underinsured coverage can help cover injury to you or your passengers and provide financial assistance for any vehicle related expenses. (This coverage is subject to limitations, so make sure you speak with your insurance agent to understand all details of your policy.)

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