As someone who owns and/or operates a vehicle in Tennessee, you need to make sure that your car is properly insured before taking it out on the road. But, more than that, you should understand how auto insurance works if you are ever involved in a car accident.
Below, we go into further detail about the requirements for auto insurance in TN and how living in a fault state will impact your auto insurance claim.
TN Car Insurance Obligations
In Tennessee, every driver must carry certain amounts of auto insurance coverage. These minimum requirements are listed below:
$15,000 in property damage liability
$25,000 per person, $50,000 per accident in bodily injury liability
$15,000 in uninsured motorist property damage liability
$25,000 per person, $50,000 per accident in uninsured motorist bodily injury liability
Your uninsured motorist coverage can also be waived, though it may be in your best interests to keep it on your policy to protect yourself. Additionally, adding comprehensive, collision, and rental car coverage to your policy can provide you with further protections.
Fault States and Car Crash Claims
Tennessee is also a fault state when it comes to auto insurance. This basically means that you do not have to carry personal injury protection on your auto insurance policy because your insurance claim will not be filed with your own insurer, but rather that of the at-fault party.
With this in mind, carrying the appropriate amount of coverage—and more—will protect you financially if you happen to be injured in an accident with a driver who was not as responsible with their coverage options.
Meet with a Tennessee Car Accident Lawyer
For the legal help you need following an auto wreck, reach out to an experienced Nashville car accident lawyer at Raybin & Weissman, P.C. You can visit our website or give our office a call at 615-256-6666 to schedule your no-cost claim review.