5409 Maryland Way Suite 130
Brentwood, TN 37027
Knowledge of a state’s insurance requirements is the first step to obtaining the right car insurance. Just like with any other state in the US, Tennessee has its auto insurance requirements that you should be aware of, whether living or driving there.
A motorist must have liability insurance to cover damages caused to others as a result of an accident. If you are declared to have caused the accident, you will be responsible for any financial damages. Your insurer must pay for the injuries suffered by the victim and the property damaged. There are minimum limits for any liability car insurance.
Those who need additional protection have other alternative insurance coverage. Many car insurance companies in the state, including Buffalo Insurance Group, LCC in Brentwood, TN, have coverage such as collision, comprehensive, and commercial car, among others. Note that lenders may demand a collision and comprehensive policy in case of a car loan.
Driving without car insurance is unlawful, and it attracts severe fines and suspension of your license or even loss of your registration. One is supposed to produce a permit when asked by a traffic officer or after an accident. The documents needed for proof of insurance are insurance ID, a duplicate of the policy declaration form, or your insurance binder. Your car insurance provider produces these documents on your behalf.
Licensed insurance providers in this state are required to incorporate uninsured motorist into their car insurance quote. About 20% of claims submitted in the state are as a result of uninsured drivers. Your insurer’s Uninsured Motorist Bodily Injury (UMBI) protects you in the case of an accident caused by an uninsured driver.
In case your driver’s license is suspended, you should file an SR-22 to provide proof of your insurance with the state’s Department of Safety. It is the responsibility of your car insurance provider to file this. You may be regarded as a high-risk driver if you have a poor driving history. This history may limit your access to standard auto insurance.
If you are a driver in Tennessee and you are not insured or want to change your insurer, you can contact us at Buffalo Insurance Group, LLC in Brentwood, TN for all your auto insurance needs. We are here to address any questions or concerns you may have with a policy. Also, try our online rating tool to get quotes on home or auto insurance from the comfort of your home.