10/06/2026
"Full coverage" is one of those phrases that can feel more reassuring than it actually is. Two drivers can both say they have it and still end up with very different protection after a crash.
That's because the label doesn't tell you much on its own. What matters are the specific coverages on the policy and the limits attached to each one.
Tennessee sets minimum liability requirements, and those requirements often aren't enough when someone is seriously hurt. Medical treatment after a significant collision can add up quickly, and if the available bodily injury coverage runs out, the difference doesn't simply disappear.
At Grissim & Waterman, we see how often those limits shape what's available to an injured person. The time to look at yours is before anything happens, so pull out your declarations page and ask your insurance agent about anything that isn't clear.
Learn more about how coverage affects an injury claim at www.grissimandwaterman.com.