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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. What is “Liability only” coverage?
  2. What is "Uninsured Motorist" Coverage?
  3. What is a deductible?
  4. What is SR-22?
  5. What is a Lienholder?
  6. What is a deductible?
  7. What does it mean when a car is "totaled"?
  8. What determines my Auto Insurance premium?
  9. How much Auto Insurance do I need?
What is “Liability only” coverage?

“Liability only” insurance usually refers to minimum coverage requirements. Liability coverage will pay for property damages and injuries that were caused by you in an accident.




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What is "Uninsured Motorist" Coverage?
Uninsured motorist coverage protects you if you're in an accident with an at-fault driver who does not have liability insurance. It has a very low cost and is something we quote on all of our policies.

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What is a deductible?

A deductible is the part of the claim that the policyholder must pay before the insurance company will make a payment on the claim. The higher the deductible is, the lower the cost of your insurance.




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What is SR-22?

SR-22 form is proof of  financial responsibility as required under Tennessee Code Annotated 55-12-114. The form must be filed by an insurance company licensed through the Tennessee Department of Commerce and Insurance to issue motor vehicle liability insurance coverage in Tennessee. The minimum limits of liability required in Tennessee are 25/50/15. The form must be issued from a liability insurance company.  A SR-22 can be required for a total of 5 years from your date of suspension. If 5 years pass from the date of suspension before you reinstate your privileges, then the SR-22 would not be required. If the SR-22 is cancelled before the required time and a new form not filed, your driving privileges will be suspended.




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What is a Lienholder?

The lienholder is usually a bank or loan company that has given you a loan on your vehicle and they have a financial stake in the vehicle being insured.




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What is a deductible?

A deductible is the part of the claim that the policyholder must pay before the insurance company will make a payment on the claim. The higher the deductible is, the lower the cost of your insurance.




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What does it mean when a car is "totaled"?

After an accident, if the insurance company decides your car is "totaled," it means the estimate of repairs exceeds the car's value.  The insurance company will likely send you a check for your car's value. The insurance company will then keep your car unless there are arrangements made to buy it back "as is".




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What determines my Auto Insurance premium?

There are a number of factors that contribute to the cost of your Auto Insurance premium such as your insurance limits, the car you drive, age of the drivers, and your driving record.




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How much Auto Insurance do I need?

The state of Tennessee requires you to carry a minimum of $25,000 each person $50,000 each accident and $15,000 property damage. The amount of insurance the state requires may not be enough coverage to pay for damages that resulted in an accident. If there is not enough insurance coverage, the owner or driver of the vehicle that caused the accident may have to pay any additional expenses out of pocket.




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