Tennessee car insurance will have protection for your children in most cases. Whether you're traveling for fun or hauling the kids to soccer practice, coverage is important. When you're driving around your most precious possessions, then the right policy can make all the difference. 

A Tennessee independent insurance agent can help you find coverage that suits your needs and fits your budget. They'll even review your policy for free so that you don't have gaps. Connect with a local expert to get started. 

Is My Child Covered under My Car Insurance in Tennessee?

Your Tennessee car insurance will extend coverage for any household members, passengers, and permissive drivers you let ride or drive your vehicle. This includes protection for your children that are passengers. However, if your child is a licensed driver, they will need to be added to your policy or prove they have a policy of their own to be protected.

Do I Need Full Auto Coverage to Protect My Child in Tennessee?

In Tennessee, you'll be required to carry the minimum limits of liability for proper auto insurance. Full coverage is optional and will be an additional premium. Check out the minimum limits of car insurance needed in Tennessee:

• Minimum limits of auto liability in Tennessee: $25,000 per person/ $50,000 per accident/ $15,000 property damage
• Property: Coverage for damage to vehicles and outside property
• Liability: Coverage for bodily injury or property damage
• Medical: Coverage for your medical expenses due to an at-fault loss

Distribution of vehicles involved in fatal traffic crashes in the US

Your child will be protected under your car insurance policy for injury through the at-fault driver's liability coverage. Any other optional limits will fall under insurance for physical damage to the vehicle and roadside assistance. 

What Coverage Does My Child Have If I'm At-Fault in Tennessee?

In Tennessee, $2,492,018 car insurance claims were paid in one year alone. If you're at fault for a wreck and have an injured child passenger, then your policy typically responds through the bodily injury liability limit. Instances where you will want to add your child to the policy for coverage are as follows:

• When they are a licensed driver in your household
• When they are a licensed driver away at college but still come home
• When an unrelated driver is living in the household

What If I Have Multiple Children in My Car in Tennessee?

Your Tennessee car insurance will cover passengers under the at-fault driver's bodily injury portion of coverage. When you're carpooling or in charge of multiple children in your vehicle, the bodily injury limit will apply to any injury sustained due to an accident. 

Number of US traffic fatalities among children age 14 and under, by state

When you're responsible for the welfare of someone else's child, driving can be nerve-wracking. To avoid any out-of-pocket costs for medical expenses, speak with your adviser about proper limits. 

How to File a Claim after a Car Accident in Tennessee

If you and your child are involved in a car accident, knowing what to do next may be a bit hazy. Follow these simple steps for filing a claim after a car insurance loss in Tennessee:

• Step 1: Get to a safe place and seek medical attention if necessary.
• Step 2: Call your independent insurance agent to file a claim.
• Step 3: Obtain information from your agent on a replacement rental vehicle if needed.
• Step 4: Set up a meeting with your assigned adjuster to go over the damage to your vehicle and medical expenses.

How an Independent Insurance Agent Can Help You in Tennessee

The perfect car insurance policy may be hard to find on your own. Coverage for your child when they're a passenger is essential. Fortunately, you're not alone, and a licensed professional can help. 

A Tennessee independent insurance agent will shop your policies through their network of carriers. This gives you the best options on premium, and they do it all for free. Connect with a local expert for tailored quotes to get started.