Auto Insurance

When unforeseen circumstances like accidents or thefts occur, it’s crucial to have the right type of auto insurance to shield you from financial burdens.

Auto Liability Insurance

Liability insurance is required by law in many states, including Tennessee. It may help cover damage to the other party’s property and their medical bills if you are at fault in an accident. There are two components, each with separate dollar limits:

• Bodily injury liability may help cover third-party medical expenses, lost wages and your legal fees after an at-fault accident.
• Property damage liability may help pay for repairs to the other party’s vehicle or any other property you may have damaged with your car, such as a fence or building.

The state’s minimum required amount of auto liability insurance may not provide adequate financial protection. Your agent may recommend that you buy additional liability coverage.

Comprehensive and Collision Coverage

Comprehensive and collision coverage may help pay to replace or repair your vehicle after a covered accident or incident.

Comprehensive coverage can help with repairs due to damage caused by natural disasters, hitting an animal in the road, theft and vandalism. Collision coverage may help cover repairs after an accident involving a collision with another car or object.

If you lease or finance your car, your lienholder may require full coverage insurance, which typically includes comprehensive and collision coverage.

Uninsured and Underinsured Motorist Coverage

Only some people on the road have appropriate auto insurance coverage. Uninsured and underinsured motorist coverage may help cover your damages after the following:

• Uninsured motorist coverage may help pay to repair or replace your vehicle and cover your medical bills up to the policy’s limits if you’re in an accident with someone without insurance.
• Underinsured motorist coverage may help cover your damages if the at-fault party has liability coverage, but their policy limits are inadequate to cover your damages fully.

Medical Payments

Medical payments (MedPay) may help cover accident-related medical care costs for you and your passengers, regardless of who is at fault in an accident.

Customizing your Auto Insurance Coverage

Depending on your situation, your agent may recommend that you tailor your car insurance coverage to include the following:

• Guaranteed asset protection (GAP) insurance
• Rental reimbursement
• Emergency roadside assistance
• Auto glass coverage
• Towing coverage
• Custom parts coverage

Contact Us

Our team can help you get appropriate auto insurance at favorable rates. Contact Wilkenson Insurance Agency in White House, Tennessee, for a personalized car insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.