Category: Auto Insurance

Knowing what documents you need to keep in your vehicle is essential if you are ever in an accident or are pulled over by the authorities for any other reason. You will be required to turn over some documents when asked. Knowing exactly where they are can save a lot of grief.  At P3 Insurance Solutions in Memphis, TN, we make sure that our customers have all the required documentation that is mandated by the state of Tennessee. 

Documents you should always carry in your vehicle

Registration

In Tennessee, you can renew your vehicle registration online, and then the registration and the striker will be mailed to you within a week or so. You place the sticker on the license plate and put the registration in your glove box. If you lose your registration certificate, it can be replaced by sending the appropriate documentation to the county clerk’s office. 

Insurance card

You are required to carry auto insurance in the state of Tennessee. You can opt for basic auto insurance, or you can get total coverage which includes protection for your vehicle. Whichever way you choose, when your auto insurance policy is mailed to you or you receive your digital copy, a copy of your insurance cards will be included. You will have to print them if you opt to receive your documents digitally. The nice thing is, that you can print another copy any time you want if they are misplaced. 

Driver’s license

Many people use their driver’s license as a form of identification. Therefore, it will usually be on their person at all times. This can be in a wallet or purse. But if you are in your vehicle, the driver’s license will be there with you. 

Consult With Us

Call our team at P3 Insurance Solutions in Memphis, TN when you have questions about auto insurance. We are happy to provide a no-obligation quote. 

A typical Memphis, TN auto insurance policy doesn’t cover your own vehicle and yourself. That’s where comprehensive and collision coverage comes in. Comprehensive and collision coverage are optional types of car insurance that pay to repair or replace your vehicle after certain events.

Comprehensive covers non-collision events, including theft, vandalism, fire, hail, flood, animal strikes, and falling objects. Collision covers collisions with other vehicles or objects while you are driving.

Here is a closer look at comprehensive and collision coverage from P3 Insurance Solutions.

Why You Should Consider Comprehensive and Collision Coverage 

If you have a newer or more valuable car, unexpected damage can cost you a lot of money out of pocket. Comprehensive and collision coverage pays for repairs or replacing your vehicle, minus the deductible.

Leasing or financing a vehicle often comes with insurance requirements beyond the bare minimum. Your lender may require you to carry comprehensive and collision coverage specifically. In this way, they can also protect their investments.

Unpredictable things, including unpredictable weather, can occur at any time. The extra protection provided by comprehensive and collision coverage gives you peace of mind. You know you’re covered for a wide range of scenarios.

What Makes Comprehensive and Collision Coverage Worth the Money?

Costs associated with adding comprehensive and collision can vary. Variables can include your vehicle’s make, model, year, and value, your driving history, your deductible amount, and your coverage limits. You can often include these coverage options in an overall auto insurance package.

How to Obtain Comprehensive and Collision Coverage?

If you are looking for comprehensive and collision coverage for your vehicle, aren’t sure if you need it, or just want to learn more about these and other coverage options, contact P3 Insurance Solutions. We are a local insurance agency that serves Memphis, TN and the surrounding areas. Contact us today.

One of the questions that we at P3 Insurance Solutions, providing auto insurance to residents in the greater Memphis, TN area, are often asked is whether an auto insurance policy will cover a driver who may be driving out of state. We are happy to provide you with the answers. 

Will My Auto Insurance Policy Cover Me When Driving Out of State? 

Your auto insurance policy will cover you when you are traveling in or through any state within the United States, regardless of what state your policy originates from. This includes traveling for vacation, road trips, visiting family, or traveling to another state for work or school. It is important to note though, that your insurance company can decline coverage in another state if you moved to another state and did not change your policy to the new state you live in within the required timeframe. 

What If My Policy Is Less Than State Minimum Insurance in Other States? 

Different states have different minimum insurance requirements. If you have minimum insurance in one state, and you are traveling through a state that has a higher minimum insurance requirement, your policy will still cover you, and essentially automatically increases to meet the minimum requirement in other states you may be traveling in or through. 

Reach Out To Us

Auto accidents can happen if you are driving in your own state or if you are on a road trip and traveling in another state. Luckily, your auto insurance will cover you when you are driving within the United States. If you have any other questions about auto insurance or are looking for a new policy in Memphis. TN, P3 Insurance Solutions would love to help you out. Call or email us now to get started.