Whether you’re commuting on Interstate 40 through Knoxville, traveling winding back roads in Anderson, Blount or Sevier counties, or simply running errands around town, the right auto insurance can make all the difference when the unexpected happens.
Tennessee requires every driver to carry liability insurance. The state’s minimum limits are $25,000 for bodily injury per person, $50,000 for total bodily injury per accident and $15,000 for property damage. While those minimums satisfy the law, they may not be enough to cover today’s repair costs, medical bills and legal expenses.
Liability coverage pays for injuries and damage you cause to others if you’re at fault. It does not pay to repair your own vehicle.
Collision coverage helps repair or replace your vehicle after an accident, regardless of fault. Comprehensive coverage protects against non-collision losses such as theft, vandalism, fire, hail, flooding and falling trees — risks East Tennesseans can face during severe weather.
Uninsured and underinsured motorist coverage is also worth considering. Although insurance is required, not every driver carries enough coverage. This protection can help if you’re hit by someone with little or no insurance.
Medical payments coverage can help pay medical expenses for you and your passengers after an accident, regardless of fault.
When comparing policies, don’t focus solely on the premium. Compare deductibles, coverage limits and exclusions. Ask about discounts for bundling home and auto insurance, maintaining a clean driving record, vehicle safety features and defensive driving courses.
Finally, review your policy each year or after major life events such as buying a new vehicle, adding a teenage driver or paying off a loan.
For East Tennessee families, auto insurance isn’t simply another monthly bill. It’s protection for your finances and peace of mind. Spending a few extra minutes understanding your coverage today can prevent costly surprises tomorrow.
Amy Harrington Bible is a feature writer for KnoxTNToday, writing a weekly column that will offer valuable insights and practical tips to enhance daily life. Amy Harrington Bible is the owner of Harrington Insurance Agency, a company that has been offering independent insurance services in the Knoxville, TN area since 1942. Bible carries the legacy of the family-owned and operated business with the skills and experience to meet any insurance need you may have.
Website link is Harrington Insurance Agency
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