Auto Insurance in White House, TN
Whether you drive a car, truck or van, you likely rely on your motor vehicle on a regular basis, including running errands, commuting to work and transporting your family around town. But while automobiles may be a regular part of daily life, that doesn’t mean you can afford to become complacent. As a responsible vehicle owner, you need to understand the importance of auto insurance.
How Does Auto Insurance Work?
Your auto insurance policy establishes a legal agreement between you and your carrier. Your insurance company agrees to share financial risk related to your vehicle in exchange for regular payments, known as premiums. By keeping up with your premiums, you’ll have the ability to file a claim and request financial aid following accidents and other incidents involving your insured automobile.
What Can My Policy Cover?
Auto insurance can be tailored to suit your needs, preferences and budget. While certain components are highly advisable or even required, the exact contents of your policy are highly customizable. When assembling your coverage, be mindful of the following possibilities:
- Bodily injury liability coverage can offset third-party bodily harm for which you’re at fault, such as if you hit a pedestrian or cause an accident with another motorist.
- Property damage liability coverage can limit out-of-pocket losses and expenses if you damage someone else’s property, such as by striking their vehicle or building.
- Collision coverage may assist with repair bills after a crash, regardless of who was at fault.
- Comprehensive coverage can help you manage vehicle damage caused by fires, theft, vandalism, severe weather and other noncollision incidents.
- Medical payments coverage, also known as MedPay, can help you and your passengers with medical bills if hurt in an accident, regardless of who caused it.
- Uninsured/underinsured motorist coverage may compensate for an at-fault party’s insufficient insurance and help you recover your losses.
Is Coverage Required?
You’re legally required to maintain proof of financial responsibility while operating a vehicle on public roads in Tennessee. Most motorists satisfy this requirement by purchasing an auto insurance policy that includes bodily injury and property damage liability coverage. Additionally, lenders may mandate further coverage if you’ve financed your vehicle.
How to Get Auto Insurance Near Me
Contact Wilkinson Insurance Agency for more information on auto coverage available in the White House, Tennessee, area or to get a free quote.