For most, driving is essential to get to work, school, and other functions, which makes it important to protect you and your vehicle. Paramount Insurance Services in Sweetwater, TN works with many reputable auto insurance companies to give you options that fit your needs and budget. If bundled with our other services, such as homeowners, life and umbrella, we can help you save even more money and provide you and your family with peace of mind.
Basic Auto Insurance Coverages
Bodily Injury and Property Damage Liability
Liability covers damages to someone’s property, or if you injure somebody in an accident you caused. This insurance will also provide legal defense should you be sued as a result of the accident.
Required limits in the state of Tennessee are 25/50/15, which covers:
• $25,000 of bodily injury per person
• Up to $50,000 per accident
• $15,000 for property damage coverage
Uninsured Motorist and Underinsured Motorist
This insurance provides coverage for you, your passengers, and your vehicle in the event of injury or damage is caused by another party who carries insufficient or no liability insurance.
This optional coverage pays for damages to your vehicle if you’re in an accident. This coverage is typically required if you have a loan on or are leasing your vehicle.
Comprehensive coverage pays for damage to your vehicle resulting from events other than collision, such as theft, fire, windstorm, etc. If you have a loan on or are leasing your vehicle., this is often required.
This coverage provides immediate medical payments to you, your passengers, and other parties regardless of who is at fault.
We offer towing, labor, temporary replacement vehicles, and loan/lease ‘gap’ coverages.