When you are involved in a car wreck in Nashville, Murfreesboro, Dickson, Ashland City,  Brentwood, Franklin or anywhere in Tennessee – it’s your insurance policy that may make the difference in what happens.

All insurance policies are contracts between you and the insurance company. The language of your own policy is generally what controls or represents your rights when you file a claim. There are different types of coverage that your individual policy may provide. They include:

Property Damage- This coverage pays for damage to the property of others. It may include someone else’s car or other property damaged in an accident that is your responsibility.

Collision- Collision coverage pays for damage to your car caused by collision (less any deductible). If you have a new car, or an expensive car, collision coverage may be a major part of your insurance cost.

Comprehensive- Comprehensive coverage pays for losses due to theft, fire, vandalism and glass breakage.

Uninsured/Underinsured- This coverage will reimburse you for your losses if someone at fault has no insurance or has less insurance than needed to make you whole.

Bodily Injury Liability- This pays others for losses from an accident that is your fault. This is the most expensive and necessary coverage on most policies.

Medical Payments- This coverage pays for medical expenses you or your family incur as a result of an auto accident. It also covers passengers in any automobile you may be driving, regardless of fault.

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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