What’s Covered in a Standard Auto Insurance Policy?

Understanding what a standard auto insurance policy covers can help Tennessee drivers know how their coverage can respond after an accident or loss. Tennessee Insurance walks you through your options so you can choose what fits your needs.

Key Coverages in a Standard Auto Insurance Policy

Motorists should first understand that there is not a single, universal definition for “standard” coverage. Still, in many cases, drivers may see the following components in their policies:

Liability Coverage

Required for all drivers in Tennessee, this coverage may help pay for injuries or property damage you cause to others in an accident. It can include bodily injury liability (for medical expenses and related costs) and property damage liability (for repairs to another person’s vehicle or property).

Collision Coverage

This may help pay for damage to your vehicle if you are in an accident, regardless of who is at fault. If you hit another car or an object such as a fence or guardrail, this coverage can help with repair or replacement costs.

Comprehensive Coverage

Comprehensive coverage may apply when your vehicle is damaged in noncollision events, such as theft, vandalism, fire or specific weather-related incidents. It can be an essential way to address losses that do not result from a crash.

Uninsured and Underinsured Motorist Coverage

This coverage may help if you are in an accident with a driver who has little or no insurance. It can help pay for medical bills and vehicle repairs when the other driver’s coverage is not sufficient.

Our Team Can Help

Tennessee Insurance can help you understand coverage requirements, compare policy options and find a suitable policy. Contact us today to review your auto insurance or ask questions about your coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.