If you have an accident, medical payments cover medical and funeral expenses. Medical payments can also cover your family members or passengers, regardless of fault. This type of car insurance coverage also applies if you or your family members are traveling as passengers in other vehicles or are hit by a car while walking or biking. Tennessee doesn't require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident. The main reason why car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident. MedPay is optional car insurance coverage in most states where it's offered, so you probably aren't legally required to have it.
Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident. By requiring specific liability insurance for victims of an accident caused by you, they can receive financial help for injuries and property damage without seriously affecting their own financial well-being. The medical payment coverage in your auto insurance policy will cover your co-worker's hospital bill up to the limits of your policy.
If you own a home in Volunteer State or are moving there soon, Progressive can help you protect the home you love with personalized, affordable home insurance in Tennessee. Some progressive companies can receive compensation as authorized agencies for providing services on behalf of business owners, general liability, professional liability and workers' compensation insurers. Liability is mandatory auto insurance coverage in 49 states, while comprehensive and collision coverage are optional if the car is paid for.