Memphis Car Insurance

If you live in the city of Memphis, car insurance is a must in Tennessee just like it is in other states. There are minimum requirements if you want to drive in TN. The minimum liability for each person who operates a vehicle is to carry $25,000 in bodily injury coverage and that’s per each person. Property damage is set at $15,000 in property damage. Those are the minimums and while most accidents are minor and you’ll be covered under the minimum, having better than the minimum is a way to protect yourself, your possessions and your loved ones.

In Memphis, car insurance minimums are there as a bottom line that everyone must carry. But if you have an accident-say you plow into a car in someone’s driveway and then into the side of the house and the damage ends up being $30,000 worth of repair costs, then under the minimum requirement for insurance, you’ll fall short. That extra $15,000 will come out of your pocket, whether you have it or not.

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