Posted: Wednesday, September 20, 2017 12:10 AM
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To meet the state of Tennessee's financial responsibility law, you must purchase the minimum amount at the least. The current minimum liability limits are $25,000 for each injured person, up to a total of $50,000 per accident, and $15,000 for property damage per accident. This basic liability coverage is often referred to as 25/50/15 coverage.
Serving all of Knoxville and Knox County including zip codes: 37901 37902 37909 37912 37914 37915 37916 37917 37918 37919 37920 37921 37922 37923 37924 37931 37932 37934 37938
Insurers use information such as the brand/model of vehicle you drive, where you live, how you use your vehicle and the policy limits you select to determine the rates they will charge you. Depending on what coverage you purchase, auto insurance pays for towing, vehicle replacement or repair, court costs, rental cars, medical expenses, and other expenses. TN insurance companies recommend that drivers in your state carry more than the state-required minimum liability coverage.
Choosing a policy that only includes state minimum requirements may help drivers get the best premiums. However, the state of Tennessee uses the tort system to determine who will pay for expenses that result because of an auto accident. The driver found to be at fault for the accident is responsible for paying all costs incurred for property damages and injuries. The Tennessee state minimum required liability auto insurance coverage does provide some protection for drivers, but those who cause an auto accident will have to pay out of their own pocket for all damage that goes over their policy's coverage amounts and this coverage does not cover repair to the policyholder's vehicle or medical expenses for them or their passenger(s).
Collision coverage covers those expenses and comprehensive coverage covers things like fire, theft, natural disaster, vandalism, etc. If you've financed your vehicle you will probably be required by the lender to carry both comprehensive and collision coverage.
Young drivers must comply with TN financial responsibility laws too. In almost every case the parents can add their minor children to their automobile policy to satisfy the Tennessee financial responsibility requirements. Although adding a young driver to an adult's policy will undoubtedly be expensive, it's almost certainly cheaper than buying a separate auto policy for their child. Some insurance providers offer lower rates for teens who have completed a Tennessee Department of Public Safety (TDPS)-approved driver education course.
For more information on Knoxville check out the Official Website for Knoxville TN.
Go here for interesting Knoxville TN facts.
For more information on automobile insurance, visit the Tennessee Department of Commerce and Insurance.
• Location: Knoxville, Tennessee
• Post ID: 16610253 tennessee