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Tennessee Auto Insurance Coverage

Feel secure knowing you have an insurance provider you can rely on. With Nationwide, it’s easy to customize your policy with affordable options for Tennessee auto insurance.

Tennessee car insurance coverage your policy must have

Liability coverage is required by law

As a driver in Tennessee, you are legally required to include two types of liability coverage on your policy: property damage and bodily injury.

• Property damage coverage safeguards your assets if you are found responsible for a covered accident. It covers damage you may cause to the property of another party.
• Bodily injury coverage safeguards your assets if you’re found responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other person.

When you buy Tennessee auto insurance coverage, you’ll need at least the required state minimum amount: $25,000/$50,000/$15,000. In the event of an accident, if you are at fault, you may be covered up to $25,000 for bodily injury for each person with a total maximum of $50,000 per accident. Liability also can cover up to $15,000 in property damage per accident.

Liability coverage also provides for your legal defense is a suit is brought against you as a result of a covered accident.

Tennessee auto insurance coverage that’s smart to have

While not required when buying Tennessee car insurance coverage, it’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road.

• Comprehensive – Tennessee auto comprehensive coverage pays any necessary repairs (subject to deductible) when your vehicle sustains physical damage from a non-collision related event, such as contact with animals, fire, theft, vandalism or glass breakage.
• Collision – Covers any necessary repairs (subject to deductible) when your vehicle sustains physical damage from a collision with another vehicle or object.
• Uninsured/underinsured motorist – Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or is underinsured.
  • Bodily injury covers costs related to any bodily injury damages you sustain.
  • Property damage covers damages sustained by your vehicle and other covered property (subject to deductible).
• Medical payments – May cover necessary medical expenses for you and other persons who are covered under your vehicle’s policy in the event of an accident, regardless of who is at fault (as provided by your policy and state law). In your policy this may be referred to as Medical Payments, Medical Expenses or Medical Benefits.

Other helpful Tennessee auto insurance coverage options

• Accident Forgiveness – With this optional coverage, Nationwide will not raise auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgivness.
• Roadside Assistance – Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. If you’re stranded, Roadside Assistance can help with fuel delivery, lockout service, jumpstarts and more.
• Loss of Use – If your car can’t be driven due to a covered loss, this coverage may help pay for a rental car or other transportation expenses so you can get back on the road.

_{Insurance terms, definitions, and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, and/or declaration pages which control coverage determinations. Such terms may vary by state and exclusions may apply.}