Not only is car insurance required in Tennessee, but it also can help protect you and your passengers in the event of an accident. Car insurance can also protect your car, even if there isn’t an accident, and considering your car and be a huge investment, you want to protect your assets.
You are required to carry liability insurance to make sure that any injuries or damages that you cause in the event of an accident are covered. In the state, you need to have $25,000 of coverage for injury or death and $50,000 of coverage total per accident. You also need to have $15,000 for property damage per accident.
If you don’t have insurance and are caught driving without it, you could face fines and the suspension of your driver’s license. A stop on your car will keep you from renewing your car registration. In order to remove that, you must have your driver’s license reinstated or have the case dismissed by showing proof of insurance.
When you just carry the minimum car insurance only the other driver is protected, and your injuries and your car are not covered. In order to protect yourself and your asset, you need to have additional coverage. An agent at Parks & Associates Insurance LLC can help determine which additional coverage you need. Collision coverage will cover your car in the event of an accident. Comprehensive coverage will cover your car if it is damaged by something other than an accident. This can include weather and vandalism. Uninsured motorist coverage can help pay for any costs that occur if you get into an accident with someone who is not insured, or who don’t have the minimum requirements for insurance. Medical payments will help pay for medical bills after an accident and is recommended if you don’t have adequate health insurance.
Contact Parks & Associates Insurance LLC to get a quote on auto insurance.