The State of Tennessee requires that drivers have bodily injury
liability coverage of at least $25,000 for each person and $50,000 for
each total accident, and property damage liability coverage of at
least $15,000 per accident.
The State of Tennessee requires that drivers carry uninsured motorist
bodily injury coverage of at least $25,000 per person and $50,000 per
accident, and uninsured motorist property damage coverage of at least
$15,000 per accident. (Even though this is required coverage, the
state does allow you to opt out and reject the coverage but you must
do so in writing.)
Basic Liability Coverage
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.
Comprehensive and Collision Coverage
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 choose.
Uninsured Motorist Coverage
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.