Mandatory Tennessee liability coverages
Bodily injury
If the policyholder or another driver covered by the policy is found to be at fault in an accident resulting in injuries or fatalities, the following can be covered under bodily injury coverage:
- Medical expenses
- Lost wages
- Pain and suffering
- Legal defense if the drivers listed on the policy are involved in a lawsuit resulting from a car accident
How much protection does this coverage provide?
The dual coverage limits you select in your Texas auto insurance quote refer to the maximum amounts that will be paid per person, per incident, respectively.
______
Property damage
If you or another covered driver is found to be at fault in an accident, the following is typically covered under property damage coverage:
- Damage to another person's property (e.g., fence, car, or home)
- Legal costs associated with a damage incident
How much protection does this coverage provide?
The coverage limit you set in your auto insurance quote refers to the maximum amount that will be paid per accident.
______
Optional Texas liability coverages
Medical payments
Medical payments coverage helps pay for medical and dental treatment, hospitalization, professional nursing services, prostheses, and funeral expenses if a covered driver and/or accompanying passengers are injured while in an insured vehicle, regardless of who is at fault in the accident.
Medical payments may also cover policyholders and their family members when they're injured while riding in someone else's car or if a car hits them while on foot or bicycling.
If you and your regular passengers already have health insurance that covers similar expenses, medical payments coverage may be unnecessary. Check your health insurance policy for details.
How much protection does this coverage provide?
The coverage limit refers to the maximum amount that will be paid per person, per accident.
______
Uninsured motorist bodily injury
If you choose to have uninsured motorist bodily injury on your policy and you want it to apply to multiple cars, you must select the same limit for each car. Also, the limits you choose must be less than, or equal to, your bodily injury limits.
If the covered individuals are injured in an accident caused by a driver who has no auto insurance, entitled compensatory damages will be covered.
Uninsured motorist bodily injury provides coverage to the policyholder, authorized policy members, and passengers.
How much protection does this coverage provide?
The dual coverage limits you see in your auto insurance quote refer to the maximum amount that will be paid per person, per incident, respectively.
If the other driver is uninsured, this coverage can generally pay up to the limit you purchase. If the limits you purchase are lower than an accident's costs, you'll be responsible for paying the amount over your limits, unless you're covered by health insurance.
______
Uninsured motorist property damage
If you want to carry this coverage on multiple vehicles, the limits must be the same for each vehicle.
Uninsured motorist property damage coverage protects a policyholder whose vehicle is damaged in an accident involving a driver who has no insurance.
How much protection does this coverage provide?
If the other driver involved in an accident is uninsured, this coverage pays up to the limit you purchase. The coverage limits you see in your quote refer to the maximum amount that will be paid per incident. Check your policy for specific details referring to any deductible for this coverage.