Memphis Car Insurance Coverage

Memphis Auto Insurance Coverage

- Types

The auto insurance policy is a policy purchased by the vehicle owners to relieve the costs associated with getting into a car accident. Instead of paying out for auto accidents, people pay annually to an auto insurance company; the company then pays all or most of the costs associated with an auto accident or other vehicle damage, and why your Memphis Auto Insurance Coverage is so important.

Auto Insurance


 It is done between an insurance company and policyholder stating details of coverage. This policy consists of types of coverages and these types are not statement of contracts.

Now, what are the most common types of auto insurance coverage in Memphis? And what do they pay for?

Auto Liability Coverage

Memphis Auto Insurance Coverage pays for the damages of the insurer if he/she is responsible for unintentionally injuring someone, or damaging other vehicle in a car accident. It falls into two categories, the bodily injury liability – which covers medical expenses, lost wages and other special damages; and property damage liability – which covers damaged property, may include the loss of use and also pays court costs and legal fees.

Personal Injury Protection

It pays the reasonable and necessary medical expenses for the covered persons for treatment because of car accident. And it also pays for rehabilitation, lost earnings, replacement of services, and funeral expenses.

Medical Payments

This coverage also pays reasonable and necessary medical and death expenses for covered persons when those expenses are related to the car accident. This type of auto insurance coverage is available in most states.


This one helps pay for damages to a covered vehicle because of the following:

·   Collision with another vehicle

·   Collision with an object (concrete barriers, trees, etc.)

·   Vehicle rollover

This type of auto insurance coverage requires a deductible, which must be paid before the insurance company pays the claim.

Comprehensive Insurance

This type of coverage helps pay for loss of or damage to an insured vehicle, not caused by a collision or a vehicle rollover but caused by the following:

·  Natural Phenomena (fire, wind, flood, hail storm)

·  Caused by man (hitting an animal, vandalism, theft)

Uninsured and Underinsured Motorist

Uninsured motorist insurance coverage pays for damages when a covered person is injured in an auto accident caused by the driver who hasn’t applied for liability insurance while the underinsured motorist coverage pays for the damages when a covered person is injured in an accident caused by another driver who has insufficient liability insurance. These two auto insurance coverage varies from state and it depends upon the provisions in the policy.

Rental Reimbursement

This coverage pays for renting a car when your own car is disabled due to an auto accident. The daily allowances or limits vary by states or by the policy provisions of the auto insurance company.

Emergency Road Services

This one pays for having the car towed due to a breakdown. These limits vary by state or the policy provisions.

Now, if you are having a hard time finding an experienced and reputable car insurance company to get your Memphis Auto Insurance Coverage, do not hesitate to call us, and we will be there to serve your needs when it comes to insuring your car.

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