Keltner Insurance knows that auto insurance is more than just a good idea. It’s the law.

Just like most other states, Tennessee has strict auto insurance requirements. Failing to hold the most basic coverage could result in fines, suspension, or losing your driving privilege altogether. Driving uninsured is simply not worth the risk.

Luckily, Keltner Insurance can help. Located in Memphis, TN, their expert agents list three essential items that any auto insurance policy must include.

Bodily injury liability

In Tennessee, liability coverage is a must for all drivers. In a severe accident, bodily injury liability reimburses expenses resulting from physical harm you may have caused to other drivers or passengers. By law, the state requires all drivers to carry a minimum of $25,000 for any single person. A combined total of $50,000 is mandated for all people involved in an accident.

Property damage liability

Another part of liability, these plans apply to an individual’s property. This includes vehicular damage but also covers damage or destruction to mailboxes, fences, buildings, and other structures. Motorists in Memphis, TN must carry $15,000 per accident for property damage.

Uninsured motorist coverage

Uninsured motorist coverage grants additional protection if you’re involved in a collision with a driver who doesn’t have proper liability coverage. This is automatically applied to any auto insurance policy in the state. However, drivers have the right to reject this coverage in writing. 

Contact an agent serving in Memphis, TN.

Keltner Insurance does more than keep you "street legal." They can ensure you, your family, and other motorists are safe on the roadways. Minimum coverage is rarely enough. Their experienced agents can find a personalized policy that’s right for you. Set up an appointment right away.