Often Unknown Benefits of Insurance Coverage

When someone is involved in an automobile accident, there are a lot of questions and concerns that may come to mind.  If you are at fault for causing the wreck, you may wonder “how am I going to pay for the other party’s car repairs or medical bills?” “Do I have to find and pay for an attorney? What about my own medical bills if I am injured? Who will look out for my best interest if I get sued?  What is going to happen to my assets, house, etc.?”  Many people often don’t know all of the benefits that come with their auto insurance coverage.  Most people believe insurance coverage is only good for paying the repair bills for the other vehicle involved.  Fortunately, most Tennessee auto insurance policies provide a lot of great benefits you may not even know about.  Below is a general list of benefits and advantages that come with most typical Tennessee insurance policies:


1. Payment for and retention of an experienced attorney who will represent you through all stages of a lawsuit in the event you are sued by the other driver. 

2.  Coverage of medical bills you may incur if you were injured in the accident (up to a certain amount).

3. Benefits and coverage for payment of bills and injuries in the event the other driver is uninsured or underinsured and caused the wreck. 

4. Payment for missed time at work, mileage expenses, etc. for medical appointments, etc. 

5. Knowledgeable and experienced insurance adjusters, claim handlers, etc. all working on your behalf if you are sued or a claim is asserted against you. 

6.  Comfort knowing your personal assets are protected (up to your policy limits). 


If you have questions about what to do if you are involved in an automobile accident, you should contact your insurance company.  They are there to help you and will explain what benefits and coverages exist in your insurance policy. 

This blog is made available by Parkerson Santel, PLLC for educational purposes only as well as to provide general information and a general overview of the law, not provide specific legal advice. By using this blog and website, you understand that there is no attorney-client relationship between you and Parkerson Santel, PLLC. This blog and website should not be used as a substitute for competent legal advice from a licensed attorney in your state.