Do You Need Auto Insurance if You Don’t Have a Car?

If you don’t have a car, then you probably think to yourself that you don’t need to have auto insurance in Collierville, TN. Without a car, you can get non-owner car insurance with Brock and Poole Insurance Agency, so if you ever have to drive a car you will be covered.

You should have this type of policy if you rent cars frequently, or use car sharing services. It’s also helpful if you are borrowing others peoples’ cars. This would cover you if the costs of any damage caused exceeds the owner’s liability limits, so you aren’t on the hook for the remainder. If you are between cars and want to get car insurance later, having this type of insurance can help you save on premiums since going without coverage can make you look risky. If you will be owning a car soon, then get this policy, and once you get a car call your agent and switch to regular coverage. If you live with the people whose cars you are constantly driving, such as your parents, then this policy wouldn’t make sense and you should be listed as a driver on the other policy.

The cost of the policy is less than you would expect. Its price can depend on how often you plan on driving and how old you are. The plans will typically provide liability coverage and some will include medical coverage for yourself. This type of insurance won’t cover collision or comprehensive costs, so repairs on the vehicle won’t be covered. You may also have the option for uninsured motorist coverage, to help if you are in an accident with a driver who doesn’t have insurance.

Contact an agent at Brock and Poole Insurance Agency serving Collierville, TN to discuss your options for non-owner car insurance, and see if this policy is the best fit for your needs.

What Can Happen if You Do Not Have Proper Auto Insurance in Tennessee?

In Tennessee, it is illegal to drive without auto insurance or to have less than the minimum required amount of auto insurance. An easy way to avoid any legal issues is to have the right amount of auto insurance. However, there are still some people in Collierville, TN that do not even have the state minimum required by law. Here at Brock and Poole Insurance Agency, we want to make sure everyone has the proper amount. If you don’t, these are some of the things that can happen to you. 

There are different penalties based on if you do not have the right insurance or if you fail to provide proof in Tennessee. If you do not have the right amount of insurance, you can get fined up to $300. If that wasn’t enough, you will also have your driver’s license and registration suspended until you can provide proof of having the right amount of coverage in place. Before they will be reinstated, you will even have to take the driver’s license examination again. Not only will you have the fee mentioned before but you will have to pay a $65 restoration fee and a $50 fee to the commissioner of safety. Lastly, you will have to supply the SR-22 certificate to your insurance company for 3 years and that can greatly increase your insurance costs. 

If you want to make sure that you have the proper amount of auto insurance for Tennessee, make sure you reach out to us here at Brock and Poole Insurance Agency, serving Collierville, TN. We can take a look at your current policy to make sure you have the right amount of coverage. We can also get you a brand new policy if you need something different or do not have auto insurance at all. Contact us today to get your free quote and insurance.

Purchasing Auto Insurance? Avoid These Mistakes

Car insurance need not be expensive to provide the protection you need.  If you’re new to purchasing auto insurance, it’s easy to make mistakes that can result in paying more money than necessary for a policy. At Brock and Poole Insurance Agency, we’ll help you avoid costly insurance mistakes and guide you to affordable auto insurance policies suited to your budget and needs. Here are some common mistakes consumers make when searching for auto insurance.

Not Comparing Policy Prices  

If you don’t shop around and compare what different insurers in Collierville, TN have to offer, how do you know you’re getting the best deal? By comparing insurance companies, policies, and prices online, you can save time and money on your car insurance.     

Not Knowing Insurance Requirements  

Before you can buy auto insurance, you need to know what’s required for the state where you live. In Tennessee, you’re required to have minimum liability coverage to pay for injuries or damages you cause to other motorists in an accident that’s your fault. Additional insurance coverage such as collision, comprehensive, roadside assist and towing are all optional.   

Not Getting Enough Coverage

When buying auto insurance, try to get a balanced package that protects both you and others in the event of accidents. Insufficient coverage could result in your getting sued for damages or having to pay for personal repairs out of pocket.

When it comes to liability coverage, minimum state requirements may not be enough to cover the fallout of serious accidents. By getting more than the minimum, you stand a better chance of protecting your interests. You should also consider coverage to protect your vehicle so you don’t have to pay repair costs on your own. 

At Brock and Poole Insurance Agency in Collierville, TN, we can help you find the right auto insurance coverage at the right price. 

In Collierville TN, Does Commercial Insurance Include Damage to Vehicles on the Property?

Brock and Poole Insurance Agency offers commercial insurance policies to local businesses in the Collierville, TN area. Commercial insurance policies are available that cover weather damage, liability, Worker’s Compensation and a variety of other events that can lead to devastatingly hard times for a business owner. Being financially secure is essential if any business is going to be a success. One of the biggest concerns for any business is damage to third party vehicles while they are on company property. Having the right type of coverage will help business owners protect themselves if an accident occurs.

In most cases, if a vehicle is hit by another car or a shopping cart while parked in the parking lot of a business, their auto insurance will pick up the cost of the damage. If a vehicle is in a company lot and is damaged by a company vehicle or a falling object or other types of debris, the company’s insurance may be responsible. While each situation is different, the company’s liability policy will pay for damages that the company itself is responsible for. Keeping the property clean and free of debris as well as properly maintaining the building will help to protect against this type of damage.

Business owners who live in the Collierville, TN area can call the licensed agents at Brock and Poole Insurance Agency if they have any questions as to what their current commercial policy covers. It is important to review your policy every few years to ensure you have sufficient coverage for both liability and property damage. If an accident does occur on company property, notify your insurance agent immediately so they can take charge of the matter. 

Proof of Insurance Requirements for Tennessee Drivers

If you drive in the state of Tennessee, you must have a minimum amount of auto insurance, and you need to provide proof that you have a policy in place. You need to at least have liability coverage to be legally insured, but there are other options available if you want to pay for additional coverage.

State Minimum Auto Insurance Requirements

If you’re a resident of Tennessee, then you must have a minimum amount of liability insurance that will pay for any injury-related costs. These include:

•    At least $25,000 for every injury or death during an accident
•    At least $50,000 for all injuries or deaths that have resulted from an accident
•    At least $15,000 in property damage coverage for every accident

There are additional coverage options available, so it may be advisable to pay the extra cost to be protected against any additional liabilities. Be sure to talk to someone at Brock and Poole Insurance Agency in Collierville, TN to find out what sort of options you have available. We would be happy to discuss your auto insurance needs, and we can find a plan that will meet your needs and fit your budget.

Providing Proof of Insurance in the State of Tennessee

Aside from having an active insurance policy that meets state required standards, you must have proof that you have a policy in place, and you must present it to a law enforcement if you’ve been pulled over. You must also provide it if you’ve been involved in an accident that you’re required to report. According to the state of Tennessee, the following documents are considered to be valid proofs of insurance:

•    Insurance ID card
•    Insurance binder
•    Policy declaration page

If you aren’t sure about what you need to provide proof of insurance according to Tennessee State Law, then you need to talk to an agent at Brock and Poole Insurance Agency. We’ve provided for the insurance needs to Collierville, TN for a long time, and we can answer any questions that you may have about your auto insurance policy.

Get Your Car Ready For Spring and Summer!

Winter is over. We’re onto spring and summer. It’s time to trade out your jacket for a t-shirt. You need to prepare for warmer weather, and your car does too, but how? What can you do? Here are a few ways to get your car ready for rain, storms, and extreme heat: 

  • Rotate your tires
  • Replace your tires, if needed
  • Replace your air filter 
  • Make sure your wiper blades are ready for rain
  •  Check your air conditioner
  • Review your auto insurance coverage

You’ve probably heard of most, but not all of these before. The last one seems to slip many car owners’ minds. Spring is the perfect time to review your auto insurance coverage. Thunderstorms, hail, and rain are around the corner. You want to be covered if you’re caught out in the open. When you’re looking for insurance in Collierville, TN, look no further than Brock and Poole Insurance Agency. 

Brock and Poole Insurance Agency is based in Tennessee and serves Tennessee and Mississippi. They’re an independent insurance agency that sells several lines of insurance at competitive, affordable prices. The agency is a reputable member of Trusted Choice, an online marketing service that helps customers and insurance agents find one another. Their agents pride themselves on their customer service. They’ll be by your side from start to finish, and they’re independent, not captive agents. This means they can work with several insurance companies at once. When you want a new insurance company, you don’t have to find a new agent. 

Brock and Poole will help you find the right coverage for the right price. When residents of Collierville, TN need auto insurance, they turn to Brock and Poole. You should too. Give them a call and get your quote today!

4 Winter Tips for Insured Drivers

Winter weather can present a challenging set of obstacles for any driver, even one with years of experience.   From colder temperatures, snow, icy conditions, and poor visibility, driving can be dangerous.  If you are an insured driver near Collierville, TN, follow these four winter tips to make your winter drives safer. 

Winterize your car 

Winterize your car by:

  • Getting a tune up: having your mechanic check your car can help to prevent break downs by ensuring that your car is in working order. 
  • Checking your battery, heater, tires, and defroster 
  • Keeping your windshield washer fluid and gas tank filled 

Stock your car with the proper winter gear

  • Shovel: Handy to dig your tires out if you get stuck in snow
  • Snow brush 
  • Extra gloves and hats 
  • Blankets, bottled water in case you are stranded at any time

Roadside Assistance 

Icy conditions can be unexpected and cause unavoidable sliding.  As such, slides offs are common during winter, and roadside assistance can be very useful. Avoid the added stress of big towing bills by adding roadside assistance coverage onto your auto policy.

Review your insurance coverage 

Because of the added risks, winter is an important time to review your current auto insurance policy.

  • Consider speaking with your insurance agent to determine your level of risk during each season. Winter storms and weather-related accidents can cause damages that make you question what exactly your policy covers. Comprehensive coverage may protect you against damage caused by a winter storm while collision coverage may protect you against physical damage (i.e.. a dented bumper from sliding on an ice patch).  After speaking with your agent, you may decide to  increase your coverage by adding comprehensive or collision coverage.  

Don’t get caught this winter without the level of auto insurance coverage you need. Instead, speak with an agent serving the Collierville, TN area to find out what options you to safest on the road.

What do you do after your road trip?

We’re nearing the end of RV season, and one of the things you need to do to get ready for fall is make sure that your RV is ready for the new season, especially if you won’t be using it in the off-season. Here are a few things you should do to keep your RV in good shape (and legal) until you’re ready for next summer’s family trip.

Have an inspection

Take your RV to a reputable mechanic or dealer to have an inspection. An inspection will identify any problems with your RV that occurred during your summer travels. If you let problems sit through the off-season, they can end up to be major problems when you get your RV ready next summer. Taking care of these problems when you shut your RV down for the season will keep you from having bigger expenses next season.

Thoroughly clean your RV

Once your RV is at home or before you take it to storage, make sure you do a thorough job of cleaning it inside and out. Cleaning it inside will help prevent any unpleasant surprises next year. The inside-to-outside cleaning will also help keep your RV in good condition to minimize potential problems that would need to be repaired next year.

Speak with your insurance agent

If you are storing your RV for the off-season, the type of insurance you need may depend on how it is being stored and where. This will help ensure that you have the proper coverage for your RV, even when you’re not using it.

For more information about RV insurance in the off-season, contact your local agent at Brock and Poole Insurance Agency today.

Avoid road rage by giving way

Road rage happens when people get too aggressive with their driving, or lose their temper and get violent in retaliation for a perceived wrong. There is even a medical condition like losing one’s temper, but with road rage it is usually more severe and violence can erupt.

If you find yourself in a situation with an aggressive, or outraged driver, the best thing you can do is get out of the way. Remember there is nothing to to be gained from winning an argument, or out-dueling someone on the road. If someone is hogging the road, get out of the way and let them pass. It is better to give up the right of way than get into an accident no matter who is at fault. A person cannot “take” the right of way, it can only be given.

Avoid any altercation as much as you can. If someone approaches you while you are in your vehicle, make sure your doors are locked and your windows are up. Do not respond to an outraged person, and avoid eye contact as well. If someone approaches your car at a red light, for instance, do not respond, but rather call 911 and ask police to intervene. If you do not have a cell phone, blow your horn until other people gather.

Usually road rage, or a lost temper, lasts only a few seconds and the person will feel bad later. The worst thing you can do, authorities say, is to respond on them in any way.

Call us at the Brock and Poole Insurance Agency for your automotive insurance needs. We welcome new customers who have never had insurance, or those that may be looking for the best deal.

Collierville, TN: Understanding Hit and Run Coverage

When it comes to being involved in a vehicular accident, most drivers make the right choice — they call the police to file a report. However, there are some people who choose to leave the scene of an accident, also known as a hit-and-run. Not all people who leave the scene of an accident are bad people. In fact, some simply become too emotional and flee the scene without even realizing what they are doing. Still yet, though, no matter their reasons, they are still liable for paying any fines and fees that are applied to them. If the accident was their fault, they are also responsible for making sure the damage is paid for. 

It depends on your insurance policy as to whether or not it will provide you with benefits in the event that a person leaves the scene of an accident and is never caught. If you have collision coverage, then you shouldn’t have to worry about being compensated for vehicular damage if you’re involved in an accident, regardless of the driver at fault. This type of coverage usually comes with a deductible that you will have to pay before any insurance money is paid out to you.                                                                                                                              

There are also other types of coverage that you’ll want to consider, including uninsured motorist body injury benefits and uninsured motorist property damage benefits. To learn more about these types of coverage, including whether or not you’re already covered during hit-and-run accidents, contact a qualified agent at the Brock and Poole Insurance Agency today. Serving the Collierville, TN area, one of these agents can assess your needs and determine the coverage options that best suited for you.