The state of Tennessee has created a multi-step licensing process for teenage drivers. This process allows teens to gain driving experience gradually and learn how to handle complicated driving situations while under adult supervision. Each stage of licensing has certain restrictions and rules that are important to know if you have a teenage driver.
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Nobody wants to obsessively worry about their car insurance and coverage limits after they purchase a policy. Unfortunately, accidents can, and often do, happen, so it's a good idea to understand just exactly what is and isn't covered.
Auto insurance can be one of the most confusing aspects of owning a car. Each company swears they will save you hundreds of dollars a year; it seems like the state is always changing the requirements for limits, and if you need to make a claim, it can be incredibly difficult to navigate the settlement process.
If you've been in an auto accident, you know that dealing with insurance companies can be a hassle. Making recorded statements can hurt your ability to be fairly compensated. It's important to always be careful when talking with insurance adjusters.
If you get into a car accident in the state of Tennessee, you have a 1 in 5 chance that the driver of the other vehicle will be uninsured. The latest Insurance Research Council report (put out in 2014) ranks Tennessee 6th among the states with the highest uninsured rate at 20%, which is much higher than the national average of 12.6%.
It's always nice to save money, especially on those recurring payments every month like car insurance. But getting the cheapest policy out there isn't always the best solution for your family.
Accidents stink. If the accident was your fault or classified as "no-fault," the accident itself is just the beginning of your worries. Now you have a tainted record and increasing insurance rates in addition to dealing with car repairs.