Auto Insurance in Columbia, TN

What Does Auto Insurance Cover?

Auto insurance typically covers a range of scenarios that can help protect you financially in the event of an accident or other unexpected incidents involving your vehicle.

Many states require auto liability insurance to help pay for third-party accident-related expenses if you are at fault in an accident.

If you lease or finance your car, the lienholder may require full coverage auto insurance, including comprehensive and collision coverage. These policies can help pay to repair or replace the vehicle if it is damaged in a covered accident.

If you owe more on the car than its market value, your car insurance may not be enough to pay off the vehicle if it’s a total loss.

Many people choose to purchase guaranteed asset protection (GAP) coverage to help cover the potential difference between your insurer’s settlement and the total payoff amount.

You can also choose to add uninsured/underinsured motorist coverage, which may help pay for your accident-related costs if the other driver is at fault and has insufficient coverage.

In Tennessee, you can purchase medical payments insurance, which may help cover accident-related injuries for you and your passengers, up to the policy’s limits.

Does Car Insurance Cover Repairs?

Car insurance typically covers repairs to your vehicle after a covered accident or incident if you have appropriate coverage. Routine maintenance and wear and tear are not covered by car insurance policies.

If you cause an accident, your collision coverage may help pay for damage to your vehicle. After a non-collision-related incident causing vehicle damage, comprehensive insurance may help cover repair costs.

Your agent can review your policy details to understand what repairs may be covered and any deductible amounts you may need to pay out of pocket.

Where to Get Car Insurance Quotes

Contact Mid State Insurance, in Columbia, Tennessee, for a personalized car insurance quote.