Auto & Car Insurance in Memphis, TN

Buying a car within Tennessee comes with numerous responsibilities, with the law requiring car owners to have adequate insurance before hitting the road. If you are a first-time policy buyer or need to renew your insurance, this is an area that Riskbusters Insurance can help you with. Below, we break down policies that Memphis, TN drivers should consider getting.

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 contact Riskbusters Insurance today so our Memphis, TN agents can help you get a tailor-made policy.