Car insurance TN agencies offer can provide many forms of protection against damages and personal injury that occur during a car collision. There are a few types of policies available, each with its own form of coverage. The minimum form of car insurance that many drivers have is called liability coverage. This type of insurance only provides payments to cover the cost of property damage or bodily injury that occurs to the other party involved in an accident with the policy holder. These payments will only be issued if the policy holder is the one at fault.