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.
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.
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 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 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.
Keep in mind that you can’t buy insurance after you have an accident. Therefore, you should think carefully about the position you want to be in if you are ever in an accident.
This means you should consider your auto insurance as a shield.
Then imagine someone else driving their car right into that shield. Will it hold?
Our main job is to ensure your shield can withstand as much damage as possible for the most reasonable cost. That means you won’t have to pay out of pocket for repairs or expenses, but it also means making sure your assets and income are protected in case you’re at fault, and there’s a lawsuit.
That means we’ll show you all your protection options, recommend the proper limits, and ensure you receive every discount you’re entitled to within your policy.
And that’s one reason you should consider talking to a real person at our local office instead of a telephone salesperson working in Utah.
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.
What everyone needs to know about car insurance. Allow us to educate you before the car accident on why it's important for you to have uninsured motorist insurance and underinsured motorist insurance. It could be a significant benefit to you. Insurance 101 is here to equip you with wisdom.
If you’re shopping for insurance, you’ll frequently see advertisements offering low rates – as if the cheapest insurance premium is the best thing for you. However, the lowest-priced insurance may not be the best choice for your individual situation. While saving money is a strong draw for most people, insurance helps protect you financially over the long term and allows you to recover from a major disaster. It’s important to ensure you have the right coverage at the best possible price rather than the cheapest insurance without regard to protection.
Greer Financial Services and Insurance
3173 Kirby Whitten Suite 203b, Bartlett, Tennessee 38134, United States
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