If you are currently carrying the minimum auto liability limits required by the state of Tennessee, you might want to reconsider your coverage. Tennessee minimum property damage liability coverage is $10,000.

What do the liability limits 25/50/10 mean?

These limits are called "split limits". The first "25" represents the maximum the insurance company will pay for bodily injuries to any one person in an accident.

The second number "50" represents the maximum amount that will be paid for all bodily injuries, no matter how many people are involved in the accident.

The third number "10" refers to the maximum amount the insurance company will pay for damages to someone else's property damaged or destroyed in an accident.

Property damage could include a store front; a brick fence; a utility pole; or a $40,000 Lexus.

What's covered under a Tennessee auto policy ?

Bodily Injury Liability - Helps pay medical costs of injury you cause to other people, loss of income for someone you injure and the cost of legal defense if you are sued and determined to be at fault in the event of an accident involving injury or death.

Medical Payments - Helps pay the cost of doctors, hospitals, medical care, lost wages, replacement services and funeral expenses for you and/or your passengers, regardless of who caused the accident.

Property Damage Liability - Helps pay claims against you for damage to someone else's property caused by the auto.

Collision - Helps pay for damage to your car caused by the collision or rollover.

Comprehensive - Helps pay for damage to your car not involving a collision. Covered risks can include fire, theft, falling objects, explosion, riot and civil commotion.

Uninsured/Underinsured Motorist - Helps pay the cost of injuries or death for you or your passensgers in an accident caused by an uninsured or hit-and-run driver.

In order to offer you an accurate quote in one of our companies, we may review reports about your driving record, claims, and credit history. Future reports may be used for an update, renewal or extension of the insurance.

A sound insurance program should bring a person back to the same financial condition as he/she enjoyed prior to a covered loss.

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