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Auto Insurance Information
Auto Insurance in Memphis, Germantown, Southaven & Bartlett, TN
If you are a western Tennessee or northern Mississippi resident who is on the hunt for quality car insurance, then you need look no further than P3 Insurance Solutions. With our help, you’ll be able to create a customized and affordable benefits package that can protect you, your family and your vehicles at all times.
Car insurance is designed to protect you from the countless expensive hazards that might threaten you any time you get behind the wheel. However, it’s the plan that has been tailored to you that will offer you the most optimized protection. It’s our job to help you get it, and you can rely on us to deliver on the promise of both effective benefits and affordable premiums. If you need car insurance today give us a call at (901) 203-2630 or fill out an online quote form.
Common Auto Insurance Questions
What Does Auto Insurance Cover?
You buy car insurance to help you pay for the costly losses that might result from wrecks, vehicle theft, accident lawsuits and many other driving hazards. You might not know if or when these accidents will occur, but the fact is that you are bound to encounter them at one time or another for as long as you are a driver. Car insurance will make sure you have the money available to recover from these losses.
How Much Auto Insurance Do I Need?
You are a unique driver who owns a unique vehicle and has specific reasons for driving. Therefore, you’ll need to customize your car insurance plan to your benefit. This will mean getting several different types of coverage within your plan, usually including:
- Liability Insurance: When an accident is your fault, this coverage help you pay for the damage you do to others (like other drivers) who weren’t in the car with you.
- Bodily Injury Liability Coverage: This plan pays for third-party medical bills and sometimes for death benefits.
- Property Damage Liability Coverage: Pays for damage to the other party’s property.
- Collision Insurance: Covers damage to your own vehicle that you sustained in a wreck.
- Comprehensive Insurance: Coverage pays for damage from non-accident mishaps like weather damage, fires, theft, vandalism or similar accidents.
- Medical Payments Coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills and sometimes will cover other losses, like lost income.
- Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
There are numerous other benefits that you might be able to add into your policy, such as:
- Roadside assistance
- Rental car reimbursement
- Custom parts coverage
- Replacement cost vehicle coverage
- Vanishing deductibles
- Gap insurance
For help determining which of these benefits are best for you, you can rely on our agents for help. We understand all of the ins and outs of the auto insurance industry, which is why we know how to combine numerous policy options to your advantage.
What Auto Insurance is Required by Law?
Both Mississippi and Tennessee require registered drivers to carry proof of financial responsibility. The easiest way to get this coverage is by carrying auto liability insurance.
When you buy your plan, your policy must include minimum coverage limits in order to comply with state law.
Tennessee’s minimum limits are:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $15,000 property damage liability coverage per accident
Mississippi’s minimum limits are:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Keep in mind, you can and should increase your liability coverage beyond the minimum limits. The more coverage you have, the better your financial assistance will be following accidents. It is imperative that you have the right auto insurance plan from the moment you become a driver, and that you maintain it for as long as you are licensed.
Whether it comes to specialty coverage, cost management or plan comparison, you can rely on P3 Insurance solutions to help you find the appropriate benefits. With our expert help, you and your car will be protected no matter where you go.
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