Every state has developed and regulated insurance laws that residents are required to follow. Tennessee is fairly standard, but there are pockets of areas that are much more expensive to insure than others.
Every state has developed and regulated insurance laws that residents are required to follow. Tennessee is fairly standard, but there are pockets of areas that are much more expensive to insure than others. While checking for cheap car insurance quotes, know your options so that the cheap car insurance quotes actually provide enough coverage in case of loss.
Unless you have been asked to select the limits of liability yourself, cheap car insurance quotes probably only provide minimal protection.
You might find cheap car insurance quotes for Tennessee, but remember that you get what you pay for.
Tennessee only requires a minimum of 25/50/25; this means that if you hit someone and cause injury, you only have protection for the other driver and passengers up to $25,000 Bodily Injury (BI) each person and no more than $50,000 total. A few days in the hospital and some physical therapy could deplete that quickly, leaving you on the hook for the balance.
The last part of the abbreviation,25, stands for Property Damage (PD) liability of $25,000. This is the most protection you have for totaling someones vehicle or damaging cars or structures. $25,000 might replace one used vehicle, but if you total a $75,000 BMW, you are stuck paying the remaining $50,000 out of pocket.
The minimums should only be accepted if you are high risk, a young or first time driver, or if you havent had prior insurance. As soon as you are in a better rating tier, you will want to include more coverage.
What is Medical Payments on a Tennessee quote?
Medical Payments (or med pay for short) will give you and your passengers provision for injuries sustained in your vehicle. You do not have to be at-fault for an accident to collect.
Some believe that with health care insurance they can skip this coverage. You certainly have that option, but before deciding, check how much your deductible is on your health insurance. At least choose to cover that.
Additionally, your health care will not cover other passengers. If you cause an accident and you have someone with you that is injured, they might have to sue your insurance company to cover their medical expenses.
A newly insured person or someone with a high risk seeking cheap car insurance quotes might settle for minimum liability at first. However, check new quotes after six months to see if you qualify for lower rates with increased protection.