(800) 253-1482Tennessee Collision Insurance
Summary: Although liability insurance is legally required in Tennessee, it only covers damages to others' property and injuries, leaving you responsible for repairs to your own vehicle without collision insurance. However, collision coverage is often necessary for financed or leased cars and offers crucial protection from expensive repair costs after an accident. Other forms of auto insurance may cover specific risks, but no single policy covers everything. By adding collision insurance and exploring your options, you can find affordable, reliable protection that ensures your vehicle is fully covered and gives you peace of mind. Estimated Read Time: 5 mins
Driving in Tennessee comes with plenty of risks and after an accident, without collision insurance, you may be left to pick up the pieces on your own.
Unlike other forms of auto insurance, collision coverage protects your own vehicle and can help you afford costly repairs to get you back on the road sooner.
Having the right coverage is essential for all drivers and comparing your options will yield the best results.
Learn more about personalizing your protection, finding the right carrier, and how collision insurance helps better protect you on the road.
What Is Collision Insurance in TN?
Collision insurance covers your vehicle repairs after an accident, regardless of fault.
You’ll pay a deductible first, but your insurance company reimburses repair costs, easing the financial burden by protecting you from covering everything yourself.
Rising labor and material costs in Tennessee make collision damage insurance increasingly valuable for drivers to avoid hefty out-of-pocket expenses with affordable coverage.
Get Quotes on Collision Insurance in Tennessee
Personalizing your Tennessee auto insurance can be the difference between preparing for the worst and putting yourself in a financial bind.
Your auto insurance policy should protect you with affordable protection that safeguards your finances with affordable coverage.
Collision insurance is an affordable option and by comparing several top-rated auto insurance companies near you, drivers can find the right protection for the lowest price on the market.
Get an auto insurance quote today by either clicking the link or using the tool below. It’s free, comes with no obligation, and helps you compare your options in just a few clicks.
If you’d rather speak to a real person, ask an agent to discover your auto insurance options by calling us at the number above.
Furthermore, drivers can save by bundling their homeowners insurance in Tennessee with their auto policy or by enrolling in multi-policy discounts.
What Does Collision Insurance Cover for Tennessee Drivers?
For collision insurance, coverage focuses on paying for the repairs your vehicle faces after an accident, even if you are at fault.
In Tennessee, fault determines who pays for others' damages, but collision will still protect you—including accidents in which you hit objects or face a single-vehicle rollover.
Collision insurance reimburses you for repairing your vehicle after paying your deductible—typicially between $500 and $2,000.
Higher deductibles lower premiums but increase how much you have to pay for your policy to kick in after an accident and vice versa.
Your policy limit is based on your vehicle's actual cash value (ACV), which accounts for depreciation and your coverage only applies to your car, no other party’s.
What Isn’t Covered by Tennessee Collision Coverage
Drivers are going to be protected after an accident thanks to collision insurance but only for restoring their own vehicle. Here are several ways you aren’t covered, including after an accident:
- Collision doesn’t cover restoring another party’s property or paying for their bodily injuries.
- If you’re looking for protection against incidents outside of an accident, such as a tree falling on your vehicle, flood damage, hitting a deer that crosses the road, etc., you’ll need additional coverage.
- Paying the remainder of your loan after a vehicle is totaled is also not included in your coverage.
Your policy won’t cover vandalism, injuries involving a hit-and-run, or uninsured drivers, however, there are several different Tennessee auto insurance policies available to help complete your coverage and customize your protection.
Do I Need Collision Insurance in Tennessee?
You need collision insurance if you're financing a vehicle, as the lender often requires the coverage.
It’s also a smart option if you can’t afford the high costs of repairs after an accident, especially for newer cars or those with high value.
Collision coverage helps protect against financial risk, offering peace of mind for drivers on the road in Tennessee.
By assessing your risk tolerance and vehicle value, you can decide if the protection is the right choice for you, however, you’ll likely find that collision insurance is worth it for you if:
- You want to protect yourself from large financial setbacks after an accident.
- You lease or finance your vehicle.
- You can’t afford to repair your vehicle after causing an accident.
Is Collision Insurance Required by Law in Tennessee?
There is no law in Tennessee requiring auto collision insurance, but it can be a valuable safety net.
While drivers only need liability insurance to meet legal requirements, that coverage won’t pay for repairs to your own vehicle after an accident.
Again, if you’re leasing or financing a car, lenders usually mandate collision insurance to protect their investment.
Even if it’s not required, many drivers choose collision coverage to avoid hefty repair bills and gain peace of mind on the road.
It’s especially useful for protecting against unexpected costs after an accident that continue to rise for car parts and labor, regardless of fault.
Comparing Collision, Comprehensive, and Liability Coverages in Tennessee
Knowing how you’re protected, what your risks are, and how to best cover your vehicle is key.
For drivers In Tennessee, liability insurance is required, but adding comprehensive insurance and collision coverage provides extra protection that can be beneficial for many different scenarios.
Furthermore, full coverage combines all three, offering broader protection and potential discounts.
It’s important to compare different insurance options to find the right fit for your needs.
Liability covers damages to others if you're at fault, while car collision coverage handles repairs to your own vehicle after an accident.
Comprehensive coverage protects against non-accident damage, like weather-related perils or vandalism.
For complete peace of mind, adding collision insurance helps avoid out-of-pocket costs for your own repairs and you should compare other coverages to ensure your auto policy best suits your needs.
Below is a breakdown of the pros and cons that come with adding collision insurance to your auto policy:
