Operating a motor vehicle in Tennessee requires drivers to maintain a certain level of protection though automobile insurance. Liability insurance is the minimum protection required by law and provides injury and property protection for other accident victims in the event the policyholder is found liable for an accident.
Car accident injuries come under the bodily injury provision included in liability insurance policies. This provision will pay a portion of the medical expenses incurred by the other driver or passengers whose injuries were caused by a driving error of the insured driver. Payment is also made to the family of a deceased individual when death results from an accident.
Personal injury protection provides a higher level of coverage for physical injuries. These policies cover both the policyholder as well as his or her passengers. Collision coverage for automobile insurance will pay to repair or replace the vehicle of the policyholder after an accident with a car or other object. This coverage will cover damages even when the policyholder is at fault.
Comprehensive coverage covers all accidents as well as the damage that can happen to a car from theft, vandalism, fire, and a variety of other acts. Additionally, some states require drivers to maintain uninsured motorist coverage. This coverage will protect drivers if they become part of an accident in which the other driver is at fault and possesses no insurance.
No one likes the idea of paying auto insurance premiums. However, in the unfortunate event an accident occurs, both parties will appreciate the fact that insurance coverage is available. Individuals suffering from auto accident injuries may be able to secure the compensation they deserve from speaking to a personal injury attorney.