Auto Insurance

An auto insurance plan is aimed at assisting with the financial coverage of potential automobile-related losses and/or damages. You’re not the only entity protected, as the the proper auto insurance plan also includes the protection of your passengers, fellow drivers, pedestrians and even property. Protection also extends to lawsuits occurring as a result of an accident with your vehicle.

Obtaining the appropriate insurance starts with possessing key knowledge of the requirements of your state. The Allee Insurance Agency excels in locations such as Nashville, Brentwood and Franklin, which are in Tennessee.

The coverage types typically necessary in Tennessee are:
  • Bodily Injury Liability
  • Property Damage Liability
  • Uninsured Motorist
  • Underinsured Motorist
  • Medical Payments
  • Collision
  • Comprehensive
 Bodily injury liability presents coverage for injuries or death of another driver or pedestrian when an accident takes place where you are at fault. An auto insurance plan with this type of coverage can help your ability to financially cover medical and funeral costs, expenses for emergency assistance that arrives at the scene, compensation for income loss and fees for legal defense.

Property damage liability pertains to coverage for expenses that come about when you are the source of damage to another person’s property (car, home, etc.). Under this coverage type, one can be able to cover bills for when a car, home’s structural damage or stationary object needs to be repaired or replaced.

A plan with uninsured motorist coverage covers medical expenses when you’re in an accident, yet not the one at fault and the other driver lacks insurance. Also, this coverage includes the covering of expenses for the damage repairs of your car.

The coverage type for underinsured motorist is actually for when a driver hits you and/your car and doesn’t have enough auto insurance. With this coverage, the difference between your personal bills and the other driver’s coverage will be covered up to the limits of your policy.

No matter who is at fault, coverage can be provided for your medical or funeral costs when you or your passengers are injured in an accident under the medial payments option. Coverage can also be provided for protection when you or a family member are hurt in another car or as a pedestrian. Not to be confused with health insurance, the medical payments option covers your passengers and even helps with co-pay coverage.

Collision coverage involves needed expenses to repair or replace your automobile when it has been damaged in an accident. This pertains to hitting another vehicle, crashing into a stationary object or suffering an accident when your car is idle or parked. The key component to this type of  coverage is the inclusion of a deductible, which happens when you out-of-pocket pay a portion of the damage, with the remaining sum being covered by the value of your vehicle.

Similar to collision coverage, comprehensive coverage is intended for the repairing and replacing expenses needed when your car has suffered damage from storms and/or vandalism. Random objects can fall on your automobile, natural disasters can take place, animals can cause damage and windows can be shattered. Another way comprehensive coverage is similar to collision coverage is that it comes with a deductible.

The Allee Insurance Agency urges you to not be overwhelmed by all of available auto insurance options! We’ll find the best insurance plan for you that is not only simple, but cost-effective. The shopping you do will have our full support, evidenced by our willingness to source rates from multiple insurance carriers, plus our ability to fully and thoroughly explain your options.

With our assistance, you will be able to rest assured from knowing you will be given all the appropriate information to make the best decision for you.

Call us today at (615) 386–7153 or click here for a free car insurance quote!


 


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