Car Accident Statistics Encourage Memphis Car Insurance

Car insurance may be required in Memphis, but you are better off having it than not with the cities accident statistics.

Make sure you have active Memphis car insurance just in case you become a Memphis car accident statistic.

How safe your driving experience in Memphis is depends on you the driver, but with Memphis’ accident statistics all drivers needs to be on the defensive when driving there. Memphis may not be as large as New York, Dallas, or Los Angeles, but its regular car accident statistics compared to the rest of its state’s accidents is high in comparison with the statistics of other large cities.

And this means that if nothing else, you should be scared to drive around without Memphis car insurance coverage. You just never know when your luck will run out, and it’s time for you to be one of the accident statistics.

Memphis Car Accident Statistics

In 2012, Memphis had a total of 29,126 car accidents. This number is not much higher than the year before, with the city seeing only seeing an increase of 85 car accidents over the number of accidents in 2011. Compared to the rest of the state that had 170,722 car accidents in 2012, Memphis accounts for 17% of all the car accident in the entire state. This number is higher than other large cities around the nation that only account for 12-13% of their states accident total.

As far as fatalities, Memphis car accidents accounted for almost 9% of all fatalities in the entire state. But your chance of having a fatal accident compared to just having an accident is extremely low as less than 2/10ths of a percent of the accidents in Memphis end with a fatality.

(Source: TN Department of Safety and Homeland Security)

You Need Memphis Car Insurance to Drive

If you plan on driving around Memphis you need to make sure that you have car insurance coverage on your vehicle. This will not only help protect you and everyone else on the road from the damage from a car accidents, it is also the law.

To make sure you are driving with the legal amount of Memphis car insurance coverage required, talk to your local Memphis car insurance agent. They will make sure you have at least the following minimum coverages, and can advise you on any other coverage you may need:

• Property damage liability coverage of no less than $15,000
• Bodily injury liability coverage of at least $25,000 to cover the injuries of one person
• Bodily injury liability coverage of at least $50,000 for all injuries in an accident if two or more people are injured.

What Happens if You Get Caught Without Memphis Car Insurance?

Memphis car insurance requirements are actually set forth by Tennessee and are the same for everywhere within the state. The car insurance laws are also enforced throughout the state, and if you are caught without car insurance you can be subject to local penalties in addition to state penalties.

Statewide, if you are caught without car insurance both your driver’s license and vehicle registration will be suspended. And getting both back can cost you a lot more than just keeping your Memphis car insurance coverage current in the first place.