Understanding Tennessee Auto Insurance

If you own a car in Memphis, TN it’s significant to get proper car insurance from Keltner Insurance to protect you and your car. Buying an automobile liability insurance policy from a reputable insurance company is a prerequisite for your car’s registration and obtaining license plates in Tennessee. Visit us today at Keltner Insurance serving Memphis TN and we can show you various coverage options so that you can select one that is right for your needs, goals, and budget.

Auto insurance is mandatory in Tennessee

 Tennessee law requires car owners to carry minimum liability coverages in their auto insurance policy. Your auto policy must meet the following Tennessee liability coverage minimums:

  • Bodily injury liability
  • Property damage liability
  • Uninsured or underinsured bodily injury

Several auto insurance coverage options

The state-mandated auto insurance minimums may not be sufficient to offer solidified protection to you and your automobile. It’s therefore vital to consider other available optional coverages. They include:

Collision coverage: It caters to repairing or replacing your car when physical damage results from a collision with another vehicle, post, tree, boulder, or another stationary object.

Comprehensive coverage: This is a non-collision coverage repair or replaces your car when physical damage arises from imminent incidences such as falling objects, fire, theft, vandalism, and hailstorm subject to your deductible.

Underinsured or uninsured motorist coverage: It helps you pay for your medical bills or repair your vehicle; if you are involved in an accident with another inadequately covered or uninsured party.

Medical payments coverage: This policy caters to reasonable and necessary medical costs, such as X-rays and medication, regardless of who is at fault after engagement in an accident.

Auto insurance in Memphis, TN

Are you a car owner in Memphis, TN seeking an outstanding auto insurance policy that meets your needs and budget? Please call or visit our Keltner Insurance for comprehensive information about auto insurance coverage.