| Coverage Types in Memphis | | | | law to maintain liability insurance coverage. You |
| Before you begin your search for car insurance in | | | | have the choice to either purchase a combined |
| Memphis, take a quick look at the major types of | | | | policy or meet certain minimums. As a motorist |
| coverage available. Liability coverage will pay to | | | | of Tennessee, you are not required to purchase |
| repair the other party's vehicle (or replace it if | | | | personal injury protection or uninsured motorist |
| necessary) if you are the cause of an accident. | | | | coverage. Tennessee also uses the Tort system |
| This coverage will also pay medical bills for the | | | | for determining who must pay auto accident |
| other party or lost wages if the person has to be | | | | expenses. |
| out of work for any length of time. | | | | The individual limits for liability insurance coverage |
| Comprehensive coverage gives protection for | | | | in Tennessee are $25,000 for bodily injuries for |
| other incidents besides car crashes, such as fire, | | | | one person in one accident, $50,000 for all bodily |
| natural disasters or flood. A replacement for a | | | | injuries in one accident, and $10,000 for property |
| stolen car is also covered with this type of | | | | damage per accident. Proof of insurance coverage |
| coverage. Collision coverage pays for damages to | | | | is not required at the time of registration, but is |
| your own vehicle if you are found to be at-fault in | | | | required at all times while in your vehicle. |
| an accident; however, this type of insurance is | | | | Switching Your Current Insurance to Cheap Car |
| only necessary if you still owe money on your | | | | Insurance |
| vehicle or if your vehicle still has a value worth | | | | Take a look at your current insurance policy and |
| insuring. | | | | make a comparison with policies online to see if |
| Uninsured/Underinsured Motorist provides | | | | you are getting all the savings you deserve. For |
| protection if you have an accident with someone | | | | instance, are you getting a discount for anti-theft |
| who has no insurance or insufficient car insurance | | | | devices in your vehicle? What about a multiple car |
| to pay for the repairs. This also protects you if | | | | discount? Do you have a six-month or yearly |
| there's an incident of hit-and-run. Personal Injury | | | | policy? Has your provider asked you how many |
| Protection, also known as PIP, is very important if | | | | miles you drive to work? Do you have a teenage |
| you don't have medical insurance. This coverage | | | | driver in your household? Did your teen take |
| helps pay medical bills for you and any passengers | | | | driver's education? Is your son or daughter doing |
| if you have an accident. | | | | an outstanding job in school? All these can equal |
| Several other options are also available if you | | | | great savings with most insurers, but you'll have |
| think you would have a need for them, such as | | | | to do some online comparisons to find out which |
| roadside service, towing and rental car. | | | | providers in Memphis can cater to your family's |
| Minimum Requirements for Memphis, Tennessee | | | | needs. A quote comparison online takes only a |
| Car Insurance | | | | moment, but can save you from a lifetime of |
| If you are a motorist in the state of Tennessee | | | | high premiums. |
| and own a registered vehicle, you are required by | | | | |
