Tennessee auto · Liability and full coverage
Full coverage means you also bought coverage for your own car
Liability pays other people when you are at fault, up to the split limits on the policy. It does not repair your car. “Full coverage” is the everyday name for liability plus collision plus comprehensive. It is not a policy form, and it is not a limit.
Tennessee car insurance, liability, and full coverage. How much to carry above the floor: how much car insurance.
What you give up when you drop the physical damage
Collision pays your car after a crash, comprehensive after hail, theft, or a deer, both at actual cash value minus the deductible. Dropping them on a paid-off older car can be a real choice. Dropping them on a financed car usually breaks the loan. Liability-only is legal if it meets the state floor. It is not full coverage. Liability only and how limits work.
A discount does not add those coverages. Tennessee discounts.
