Car Insurance Coverages
Liability Insurance Coverage
Bodily Injury Liability Insurance
What’s covered?
This liability insurance covers claims and your defense costs if you are legally liable for a car accident that injures someone else.
Why do I need it?
Tennessee drivers are required to have a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage.
Property Damage Liability Insurance
What’s covered?
Property Damage Liability Insurance covers claims and your defense costs if you are legally liable for an auto accident that damages the property of others.
Why do I need it?
The state of Tennessee requires that drivers have a minimum of $15,000 per accident in property damage liability insurance coverage. Every driver has unique needs so talk to your local Farm Bureau agent to learn more about your liability insurance coverage options.
Collision Insurance Coverage
What’s covered under Collision Insurance?
Collision Insurance pays for the cost of damages to your vehicle if it is upset or hits another vehicle or object, such as a tree or median strip. When deciding on your collision insurance deductible, keep in mind that a lower collision deductible means you’ll cover less of the cost of repairs when they arise while paying a higher monthly premium. A higher collision deductible allows you to pay a lower monthly premium, but you will cover more of the cost of repairs out-of-pocket.
Why do I need it?
Tennessee drivers who lease or finance a vehicle may be required by their lender to purchase collision insurance.
Comprehensive Insurance Coverage
What’s covered under Comprehensive Insurance
Comprehensive Insurance pays for damages to your vehicle caused by things other than collisions, such as fire, theft, flood, hail, vandalism, hitting a bird or animal, or glass breakage.
Why do I need it?
Tennessee drivers who lease or finance a vehicle may be required by their lender to purchase comprehensive insurance. Avoid unexpected expenses that can drain your finances with comprehensive insurance coverage for your vehicle.
Other Auto Insurance Coverage Options
Medical Payments Coverage
Pays medical expenses caused by an auto accident to you or others in your auto.
Uninsured Bodily Injury Coverage
Pays damages if you or others in your auto are injured by an uninsured or underinsured motor vehicle.
Uninsured Property Damage Coverage
Covers the cost of damages to your auto and property in your auto if it is hit by an uninsured or underinsured motor vehicle.
Road Side Assistance Reimbursement
Pays a fixed amount for towing to the nearest service station if your auto is mechanically or electrically disabled, mechanical first aid at the place of disablement, or locksmith service if the keys are locked in your auto.
Rental Reimbursement
Pays a certain amount per day for a rental car while your auto is being repaired or replaced because of a comprehensive or collision loss.
