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What is the Minimum Car Insurance Coverage in Tennessee?

Picture of Car From Accident

According to statistics compiled by the TN Department of Safety and Homeland Security, as of August, there have been over 3,400 auto accidents in the State of Tennessee. While many of these accidents were probably minor in nature, they did result in some type of damage that had to be paid for through an automobile insurance company. 

Tennessee Car Insurance Coverage Requirements

Tennessee law requires that if you own and operate an automobile, then you must carry a minimum amount of coverage. The minimum car insurance coverage in Tennessee requires the following:

  • $25,000 bodily injury per person
  • $50,000 total coverage per accident
  • $15,000 property damage coverage per accident

It is important to remember that this is the minimum coverage you must have in the State of Tennessee. As we noted in a previous post, serious accidents can often exceed minimum insurance policies. We always recommend you take out as much coverage as you can financially afford so that you are covered in any situation. In Tennessee, you may also take out additional insurance that will cover the following:

  • Medical Expenses
  • Towing Expenses
  • Rental car coverage and reimbursement
  • Uninsured/Underinsured accidents
  • Comprehensive coverage that will protect you from damages related to theft, vandalism, or falling objects
  • Collision coverage will protect you from damages to your vehicle when struck by another driver, including any repairs or replacement.

Serious auto accidents can lead to hundreds of thousands of dollars in medical expenses and damages. Having the right coverage can protect you and your family, even if you were at fault. Adequate coverage will also protect you if you are struck by an uninsured driver. Make sure you go over your policy options in detail with your insurance adjuster. Taking the time to explore your options now could save you a giant headache later.

Call an Experienced Auto Accident Attorney

The Chiozza Law Firm has experienced auto accident attorney here to assist you 24 hours a day. You may contact us during normal business hours by calling 901-526-9494 or fill out our online form. For after-hours service, you can email Attorney Brian Chiozza.

We are confident that if you contact our firm to discuss your potential claim, we know you will like what we have to say. You will be treated with the utmost attention and respect, just like a family member. If we are not successful in pursuing your claim, then you owe us nothing. We also put in writing our low fee structure to ensure that our clients are treated fairly. After all, you were the injured party, not your attorney.



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Posted by Brian Chiozza at 10:25 AM
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