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Before starting your research for auto insurance in Memphis, take a quick glance at the major types of coverage available. Liability coverage will probably pay necessary repairs the other party’s vehicle (or change it if required) in case you are the cause of an accident. This coverage will also pay medical bills for the other party or lost wages if the person has to be out of work for any length of time. Comprehensive coverage gives protection for other incidents besides car crashes, such as fire, natural disasters or flood. A replacement for a stolen car is also covered with this type of coverage. Collision coverage pays for damages to your own vehicle if you are found to be at-fault in an accident; however, this type of insurance is only necessary if you still owe money on your vehicle or if your vehicle still has a value worth insuring.

Uninsured/Underinsured Motorist provides protection for those who have an accident with anyone who has no insurance or insufficient car insurance to fund the repairs. This also protects you if there’s an incident of hit-and-run. Personal Injury Protection, also known as PIP, is very important if you don’t have medical insurance. This coverage helps pay medical bills for you and any passengers if you have an accident.

If you are a motorist in the state of Tennessee and own a registered vehicle, you are required by law to maintain liability insurance coverage. You have the choice to either purchase a combined policy or meet certain minimums. As a motorist of Tennessee, you are not required to purchase personal injury protection or uninsured motorist coverage. Tennessee also uses the Tort system for determining who must pay auto accident expenses.

The person limits for liability insurance coverage in Tennessee are $25,000 for bodily injuries for one person in one accident, $50,000 for all bodily injuries in one accident, and $10,000 for property damage per accident. Proof of insurance coverage is not required at the time of registration, but is required at all times while in your vehicle.

Examine your present insurance coverage and make a comparison with policies online to see if you are getting all the savings you deserve.

Please us if you need more information at memphis-autoinsurance.org
and memphis-carinsurance.com