When people are in a car wreck in Nashville, they often have made a mistake before their accident happened. The first mistake most people make with is  - they don’t have enough insurance.   I often hear someone say “I’ve got full coverage” without realizing that means nothing about “how much” is available if they really need it.

The minimum limits for liability insurance in Tennesseee are $25,000 (the amount most people have when they think they have “full coverage”).  That was a goodly amount – in 1940.  Now that will barely pay for  a visit to the ER and some testing.  In Canada the minimum limits are $1 million, enough to cover all but the most catastrophic losses. In Tennessee, you are likely to be left holding the bag unless you have purchased enough insurance to protect yourself.

Recommended Policy Limits

The policy limit of your coverage is the amount the insurance company can owe for a loss. The amount paid by the insurance company cannot exceed than the limits of your policy. Given the risk of serious injury, and the costs of medical care we recommend that everyone carry the following minimal limits (more if you can afford it):

Property Damage $20,000

Bodily Injury $100,000 per person, $300,000 per accident

Medical Payments $10,000

Uninsured and $100,000 per person

Underinsured Coverage $300,000 per accident

If you can get more insurance, get it!

Phillip Miller is a Tennessee Accident Attorney specializing in
Tennessee Auto Accidents, Tennessee Truck Accidents, Tennessee Wrongful Death, and Tennessee Motorcycle Accident cases.

Phillip has an AVVO rating of 10.0 (Superb), has been designated as a “Superlawyer”, and is the President Elect of the Tennessee Association for Justice.

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