Personal injury protection is a type of car insurance used in no-fault states because it covers medical payments regardless of who caused the accident. The terms, definitions and explanations of insurance are for informational purposes only and do not replace or modify in any way the definitions and information contained in the individual pages of contracts, policies or insurance statements, which are decisive. MedPay is similar to PIP insurance in that they both manage your medical bills even if you cause a car accident. In some states, your vehicle can be towed and you can't claim it until you present proof of insurance.
For more information, see WalletHub's guides on how much car insurance you need and affordable car insurance in Tennessee. In addition, driving without car insurance in Tennessee is a class A misdemeanor if you're involved in a car accident that causes bodily injury or death. Instead of PIP insurance, Tennessee insurance companies offer medical payment insurance (sometimes called MedPay), which helps with hospital bills stemming from a car accident. When it comes to the minimum car insurance coverage in the state of Tennessee, the state has specific requirements that you must meet.
Not having car insurance in many states can make you a high-risk driver when buying car insurance. Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs. Liability limits in auto insurance are the maximum amount your insurance company will pay for injuries and property damage in accidents you cause. The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties.
If you can't drive your car because of a covered loss, this coverage helps pay for a car rental or other transportation expenses so you can get back on the road. Because state auto insurance coverage varies by state, it's important to know what type of insurance policies and coverage you need in Tennessee.