car insurance in memphis, tn and surrounding areas
Car Insurance You Can Trust
Buying a car in Tennessee has multiple obligations, with the law requiring car owners to have sufficient insurance before being on the road. If you are interested in an affordable car insurance policy or need to renew your auto insurance, Greer Financial Services and Insurance can help. Below, we break down guidelines that Memphis, TN, drivers should consider getting.
Features on car insurance you need to consider
Liability Coverage
Liability coverage comprises two components; property damage liability and bodily injury liability. Property damage liability takes care of 3rd party vehicle damage costs when you cause an accident. This could be vehicle repair costs or expenses required to repair fences or buildings. Bodily injury liability pays for 3rd party medical costs when other parties get injuries in an accident. These could be consultation costs, prescription fees, or X-ray expenses.
Uninsured and Underinsured Coverage
This coverage settles your medical costs when an uninsured driver hits you. This policy helps cover your repair costs if your vehicle also gets damaged. Underinsured coverage will be ideal when you are hit by a driver whose cover cannot pay for the full extent of your damage costs. It helps you take care of your medical costs as well as that of your passengers.
Comprehensive and Collision Coverage
Comprehensive coverage pays for vehicle repairs and replacement costs when disasters strike. This includes events like fire hazards, theft, hail, and vandalism. Collision coverage will be essential when you are involved in collision accidents. Examples include when you hit objects on the road, such as fences or posts.
Medical Payments Coverage
Medical payments coverage pays for your medical expenses and that of your loved ones when you are injured in an accident. Costs covered include surgery, X-ray fees, and hospital visits.
Whether you need auto insurance to keep your family safe or to stay up to date with Tennessee’s legal requirements, getting the above-listed policies will be essential for your drives within the state. Make it a point to us so our Memphis, TN agents can help you get a tailor-made policy.
We have more than car insurance in common
Why Are We Unique
We want to meet your budget, but we also want to meet the proper protection. Sometimes the price and the value are different. Car insurance can't be taken lightly.
As an agency, we have focused on designing your policy to cover your unique needs. Auto insurance has to be designed with great care.
In our minds, protecting you is like really protecting us. We live in the same community as you. We want what's best for our neighborhood. Memphis is one of many things that connect us.
If you're interested in learning more, we are here for you.