Land of country music, the Country Music Hall of fame, and Graceville, Tennessee has tourists traveling its roads continuously. Tennessee has flat plain farmland, sharp valleys, and rugged Blue Ridge Mountain ranges. It is essential that the motorists of Tennessee have proper auto insurance coverage. In 2007, the average motorist in Tennessee paid $1588 for coverage. This makes Tennessee auto insurance rates among the lowest in the entire country.
Tennessee Auto Insurance Requirements
The State of Tennessee requires that its motorists carry liability insurance to safeguard against medical expenses and property damages expenses should they become the driver who is at fault in an accident. The present minimum coverage that Tennessee auto insurance must supply to motorists is 25/50/10.
- Bodily Injury Liability – Bodily Injury Insurance will payout up to the $25,000 for one person injured in the other car.
- A total of $50,000 will be paid out to more than one individual injured in the other car.
- Property Damage Liability – When minimum coverage is selected the Tennessee auto insurance company will pay out up to $10,000 for damages to public or private property including the other driver’s vehicle.
However, it is recommended that motorists carry greater than the minimum liability coverage due to the ever-increasing medical costs and repairs.
It is also recommended that motorists carry Comprehensive and Collision coverage in the event that their car is damaged by nature or wildlife. With Comprehensive and Collision insurance they also would be covered if they were the driver deemed at fault and needed repairs on their own car.
Because the neighboring State of South Carolina does not require that their motorists take out liability insurance, Tennessee requires its motorist to obtain Uninsured/Underinsured Motorist Protection, that way they will be covered if the driver who was at fault could not pay the damages to their car, or if they were a victim of a hit and run.
