Car Insurance Coverage Tennessee

Reader’s Question:

I am thinking of buying a used car and I want to know which car insurance coverage in Tennessee will be suitable for a used car. Thanks!

Betty

Memphis, TN

It’s important to know the different kinds of car insurance coverage in Tennessee so you’d be able to choose a proper one for your car. Car insurance coverage is required after you purchase a vehicle whether it be a used one or new. Below is a list of well know car insurance coverage that is perfect for an owner who buys a used car.

Property Damage Liability – everyone must have this since it will pay for any damages done to the other party if the accident is the car owners fault.

Personal Injury protection – a minimum number state requires you to have this, this coverage will pay for any medical expense. If you have a good medical insurance and you’re not in on any of the state which requires you to have this, its better to stick to your medical insurance.

Uninsured or Underinsured Coverage – this coverage can pay for injuries to you and your passengers when there is an accident and the other driver is responsible for the accident and is not insured in anyway.

Bodily Injury Liability – this coverage protects you and not your vehicle. If you are responsible for someone else’s injury or death, this coverage will help the other person pay for any expense. It also provides for a legal defense if the other party in the accident files a lawsuit against you.