We Can Help You Find The Right Auto Coverage For You And Your Family

Auto insurance is a non-negotiable. This is especially true in Tennessee, which is a “fault” state with regards to car accidents. That means that our state’s system will work to determine who is legally liable for causing the accident and then will see to it that the at-fault party pays for losses associated with the crash.

Regardless of whether you or another driver is to blame, you want to make sure that you, your family, and your vehicle are covered so that you can get on with your life, concentrate on healing if need be, and get back on the road. Elite Insurance Solutions can help.

Why You Need Auto Insurance

We can think of lots of great reasons why you need to carry auto insurance, but here are the three best:

1. To act in accordance with Tennessee laws. Driving without insurance is a big no-no in Tennessee. More about that below.

2. To satisfy your lender. If you’re paying a car payment, your lender will almost certainly require you to carry insurance. In fact, if you have a car loan you may actually be required to pay a higher premium than if you bought a policy on your own.

3. To protect your assets. Car insurance can offer significant protection by providing bodily injury and property damage liability coverage, in addition to attorney costs. It may also pay for medical bills and repairs to your car.

Tennessee Laws About Auto Insurance

In the state of Tennessee, claims following car accidents usually work in one of three ways:

  • You file a claim with your own insurance carrier, who will likely seek reimbursement from the at-fault driver’s carrier;
  • You file a third party car insurance claim directly with the at-fault driver’s insurer;
  • And/or you file a personal injury lawsuit in civil court, seeking compensation from the at-fault driver.

Tennessee drivers are required by law to carry specific minimum amounts of car insurance to cover injuries suffered by other drivers, passengers, and/or pedestrians. This includes:

  • $25,000 for bodily injury
  • $50,000 for bodily injury when two or more people are hurt
  • $15,000 for property damage

Tennessee law requires that uninsured motorist coverage be included in every car insurance policy in an amount equal to the limits for bodily injury and property damage listed in the policy. The required insurance does not usually cover injuries or property damage to the driver found to be at fault.

Whether or not you’re at fault in a car crash, collision and comprehensive coverage for property damage and personal injury protection can be very helpful in a serious accident. Elite Insurance Solutions can help you customize auto coverage that will give you all the protection you need and none of the protection you don’t. Visit our Locations & Contact page to find the Tennessee location and agent nearest you.

 

Let the professionals at Elite Insurance Solutions help you find the right home insurance policy for your needs. And be sure to ask us about the other personal insurance coverages that are available, too.

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I have worked with many insurance brokers over the years, and I would rank Elite Insurance Solutions as one of the most insightful, quick responding, and professional teams with whom I’ve partnered. I have particularly worked with agent Barhyt Henry. Barhyt has effectively helped us better analyze our business insurance needs. I would recommend Elite Insurance Solutions to any company that is making tough, strategic decisions to grow their business.
~ Michael T. Bradshaw