In the state of Tennessee, you are legally responsible for carrying the state minimum requirements of liability insurance on your vehicles to operate them on the highways and roads.
The minimum liability insurance coverage that you must purchase for your auto insurance is expressed as 25/50/15. This includes $25,000 for bodily injuries of one person in one accident, $50,000 for total bodily injuries of others in one accident, and $15,000 per accident for property damages.
The minimum state liability insurance only covers injuries and property damages to others in the event that you caused an accident. It doesn't include any of your expenses that are incurred in the case of an accident. Volunteer Insurance Agency Inc. wants to make sure that you have coverage for your losses.
The other optional insurance types include collision to pay you for your damages to your vehicle in the case of an accident. Comprehensive coverage will pay you for damages sustained to your car that are not accident related, such as theft, hail damages, fire, or items that hit your car on the roadways. Uninsured motorist coverage will help you to recoup your costs of medical payments and damages in the case that you are in an accident, it is the other driver's fault, and they don't have insurance or don't have enough insurance to cover your damages. Medical payments will help you to pay hospital and doctor costs that are associated with an accident. Rental car coverage will allow you to rent a car while your vehicle is being repaired after an accident.
We realize at Volunteer Insurance Agency Inc. that it can be a bit confusing when purchasing auto insurance. We are here to help you so that you get the right coverage for all of your needs. You can use our online rating tool, visit our office, or give us a call for more information on auto insurance.