Car insurance does not have to be complicated.

At Hutsenpiller Insurance, we believe in an education insurance experience. One thing most people don’t fully understand is car insurance. This blog will review the main coverages that come with an auto insurance policy.

Liability

The insurance company will pay if you injure someones or damage someone’s property in an accident. When you buy liability, you choose a limit – the maximum amount the insurer will pay for a liability claim. Tennessee requires your insurance coverage to have a minimum liability coverage limit of $25,000 per person for bodily injury, $50,000 per occurrence for bodily injury, and $15,000 for property damage – but we recommend much more.

Collision Coverage

The insurer pays to repair damage to your car when you hit, or are hit by, another vehicle or object, regardless of who is at fault.

Comprehensive Coverage

The insurer pays to repair damage to your car that’s caused by something other than a collision, such as fire, theft, vandalism, hail or flooding. The insurer will also pay for damage to your vehicle caused by hitting an animal.

When you buy collision and comprehensive, you choose a deductible – typically $250 or $500. This is the amount you pay to the repair shop. The insurer pays the rest.

Uninsured motorist property Damage

The insurer pays to repair damage to your vehicle caused by a driver who does not have insurance.

Uninsured/UnderInsured Motorist Bodily Injury

The insured pays for your medical expenses, lost wages, and other damages when you’re hurt in an accident caused by a driver who has insufficient or no insurance.

Medical Payments

The insurer pays for the cost of reasonable and necessary medical care you get as a result of an accident, regardless of who’s at fault

Rental Reimbursement

lThe insurer pats for your rental car while your car is being repaired as result of a comprehensive or collision claim.

Roadside Assistance

The insurer pays for repairs or towing when your vehicle breaks down due to mechanical failure or electrical issues, a dead battery, or a flat tire; you’re locked out of your car; your vehicle runs out of gas, or your vehicle gets stuck in the snow or mud.

* COVERAGE IS SUBJECT TO THE POLICY TERMS AND CONDITIONS, AND AVAILABILITY VARIES BY STATE. SEE YOUR POLICY AND DECLARATIONS PAGE FOR MORE DETAILS ABOUT YOUR COVERAGES.

Questions? We can help.

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