When you take to the open road, it can be challenging to anticipate all that could go wrong. It's not just about how well you drive, but also what the elements can do to your vehicle. Tennessee car insurance can have protection against several losses, including tornado damage.

Fortunately, a Tennessee independent insurance agent works with an abundance of carriers to suit your needs and budget. They'll even do the shopping for you, ensuring that there are no gaps in protection. Connect with a local expert for tailored quotes in minutes. 

What Is Car Insurance?

Car insurance in Tennessee is required by state law and necessary if you use the roadways. To obtain enough coverage, take a look at how car insurance can help against a tornado:

• Car insurance: Pays for bodily injury, property damage, and liability losses when you're involved in a car accident. Coverage comes with several options for protection against severe weather like tornadoes.

Estimated annual car insurance premiums in the US, by state (in US dollars)

Your car insurance pricing has a lot to do with the number of severe weather claims reported in your area. Tornadoes can impact your rates just like anything else.

What Does Car Insurance Cover in Tennessee?

In Tennessee, you'll be mandated to carry the state minimum limits of liability coverage when you drive. Check out what protection is necessary to operate a motorized vehicle in Tennessee:

• $25,000 for each person injured in an accident
• $50,000 maximum for the entire accident
• $15,000 in coverage for property damage

What Doesn't Car Insurance Cover in Tennessee?

In Tennessee, 20.0% of drivers on the road are without proper insurance. This makes it your responsibility to have enough coverage in the event you get hit by one of these drivers.

Coverages you'll want to consider:

• Comprehensive: Pays for physical damage to your vehicle when it's damaged by severe weather, hail, flooding, tornado, or hitting an animal.
• Collision: Pays for physical damage to your vehicle when an accident occurs with another object that's your fault.
• Uninsured/underinsured motorist: Pays for bodily injury and property damage when you're involved in an accident with an uninsured or underinsured motorist.
• Towing and roadside assistance: Pays for a tow when your car is stranded.
• Rental car: Allots a specific amount for a rental vehicle while yours is being repaired or replaced due to a covered claim.

Does Car Insurance Cover Tornado Damage in Tennessee?

Tornadoes are covered automatically under your home policy, but that's not the case for your auto insurance. Coverage for tornado damage to your vehicle will have to be added. Comprehensive coverage is the limit that needs to be added to your car insurance if you want protection against a tornado loss to your car.

How to File a Car Insurance Claim for Tornado Damage in Tennessee

When a tornado causes damage to your vehicle, it can be challenging to know what comes next. Your car insurance carrier will need to be informed to make sure your claim is filed correctly. 

Economic damage caused by tornadoes in the US (in million US dollars)

Check out these four simple steps for filing a car insurance claim when a tornado occurs:

• Step 1: Get to a safe place.
• Step 2: Call your independent insurance agent.
• Step 3: Obtain information from your agent on how to obtain a temporary replacement vehicle.
• Step 4: Set up a meeting with your assigned adjuster .

How an Independent Insurance Agent Can Help in Tennessee

Your car insurance policy has several coverage options that can protect you and your property from loss. When you're involved in an accident or tornado damage occurs, you'll want to be sure you have the proper limits. Fortunately, a licensed professional can review your policy for gaps at no cost. 

A Tennessee independent insurance agent does the shopping for free so that you can save time and money. They have a network of highly rated carriers, giving you the best options around. Connect with a local expert on trustedchoice.com to get started in minutes.