We Solve Insurance Problems
We Solve Insurance Problems

We Solve Insurance Problems - Steve Pyatt Insurance

We Solve Insurance Problems - Steve Pyatt Insurance

House Insurance — Insurance in Clinton, TN
Car Crash — Insurance in Clinton, TN
Lightning — Insurance in Clinton, TN
Steve Pyatt Insurance, located in Clinton, TN has been solving our customers insurance problems since 1980. The insurance landscape has seen a massive shift in portability, accessibility, and most of all, CHOICE! Our customers come here looking for a sane, logical explanation, paired with some very smart advice. You will find that same level of expert help and friendly direction right here at Steve Pyatt Insurance every day.

Home, Light Industrial, Small Business - We Can Take Care of That

Steve Pyatt Insurance has programs to fit every budget and insurance capabilities that cover most anything. We make our homeowner policy offerings easy to understand. You have a question, we are going to answer it. It's just that simple.


Business and light industrial policies are a must-have. Your business is unique and that means your policy needs to be created to adapt with your ever-changing requirements. We have been building these policy's for well over 35 years. Tell us what you need and trust our experts to work with you in making a policy that works for you. 

Home Insurance — Insurance in Clinton, TN

Cars, Boats, Motorcycles & More

If it floats or rolls, we have a policy for that. Affordable insurance is not a myth, it can be found right here. We work with an excellent group of insurers and can craft a great policy that covers every other kind of vehicle you can think of. We also provide immediate SR22 filing.
  • Cars
  • Trucks
  • Boats
  • RV's
  • Motorcycles
  • ATV's
Give our team a call today at (865) 457-2968 and let's get started.

Understanding Your Auto Insurance Coverage in Tennessee

Choosing the right auto insurance coverage starts with understanding what each part of your policy actually does. Below is a clear explanation of the core coverages available to Tennessee drivers and how each one protects you.

Liability Coverage

Liability coverage is required by Tennessee law and forms the foundation of every auto insurance policy. This coverage protects you financially if you are found legally responsible for causing an accident.

It helps pay for:

  • Bodily injury to other drivers, passengers, or pedestrians
  • Medical bills and lost wages for the injured party
  • Property damage to another person’s vehicle or belongings
  • Certain legal expenses if you are sued

Liability coverage does not pay for damage to your own vehicle. Its purpose is to protect your assets and future income if you are at fault in an accident.

Collision Coverage

Collision coverage helps pay to repair or replace your vehicle if it’s damaged in an accident, regardless of who caused it.


This includes situations such as:

  • Colliding with another vehicle
  • Hitting a guardrail, tree, or utility pole
  • Single-car accidents
  • Certain hit-and-run incidents

If your vehicle is financed or leased, your lender will typically require you to carry collision coverage. Even if it’s not required, many drivers choose it to avoid paying large repair bills out of pocket.

Comprehensive Coverage

Comprehensive coverage protects your vehicle from damage that is not caused by a collision. In Tennessee, this coverage is especially valuable due to weather events and other unpredictable risks.

It typically covers:

  • Theft
  • Vandalism
  • Fire
  • Hail and storm damage
  • Falling objects
  • Animal collisions

Comprehensive coverage provides peace of mind knowing your vehicle is protected from many non-driving-related risks.

Medical Payments (MedPay)

Medical Payments coverage, often referred to as MedPay, helps cover medical expenses for you and your passengers after an accident, regardless of who was at fault.

This coverage can help pay for:

  • Emergency room visits
  • Doctor and hospital bills
  • Surgery and X-rays
  • Funeral expenses

MedPay can also help cover deductibles or gaps left by your health insurance, providing additional financial protection after an accident.

Uninsured / Underinsured Motorist Coverage

Not every driver on Tennessee roads carries adequate insurance coverage. Uninsured and Underinsured Motorist coverage protects you if you’re involved in an accident caused by someone who:

  • Has no insurance
  • Does not have enough insurance to cover your damages
  • Leaves the scene in a hit-and-run

This coverage can help pay for medical expenses, lost wages, and sometimes vehicle damage when the at-fault driver cannot fully cover the loss.

Understanding Your Auto Insurance Coverage in Tennessee

Choosing the right auto insurance coverage starts with understanding what each part of your policy actually does. Below is a clear explanation of the core coverages available to Tennessee drivers and how each one protects you.

Liability Coverage

Liability coverage is required by Tennessee law and forms the foundation of every auto insurance policy. This coverage protects you financially if you are found legally responsible for causing an accident.

It helps pay for:

  • Bodily injury to other drivers, passengers, or pedestrians
  • Medical bills and lost wages for the injured party
  • Property damage to another person’s vehicle or belongings
  • Certain legal expenses if you are sued

Liability coverage does not pay for damage to your own vehicle. Its purpose is to protect your assets and future income if you are at fault in an accident.

Collision Coverage

Collision coverage helps pay to repair or replace your vehicle if it’s damaged in an accident, regardless of who caused it.


This includes situations such as:

  • Colliding with another vehicle
  • Hitting a guardrail, tree, or utility pole
  • Single-car accidents
  • Certain hit-and-run incidents

If your vehicle is financed or leased, your lender will typically require you to carry collision coverage. Even if it’s not required, many drivers choose it to avoid paying large repair bills out of pocket.

Comprehensive Coverage

Comprehensive coverage protects your vehicle from damage that is not caused by a collision. In Tennessee, this coverage is especially valuable due to weather events and other unpredictable risks.

It typically covers:

  • Theft
  • Vandalism
  • Fire
  • Hail and storm damage
  • Falling objects
  • Animal collisions

Comprehensive coverage provides peace of mind knowing your vehicle is protected from many non-driving-related risks.

Medical Payments (MedPay)

Medical Payments coverage, often referred to as MedPay, helps cover medical expenses for you and your passengers after an accident, regardless of who was at fault.

This coverage can help pay for:

  • Emergency room visits
  • Doctor and hospital bills
  • Surgery and X-rays
  • Funeral expenses

MedPay can also help cover deductibles or gaps left by your health insurance, providing additional financial protection after an accident.

Uninsured / Underinsured Motorist Coverage

Not every driver on Tennessee roads carries adequate insurance coverage. Uninsured and Underinsured Motorist coverage protects you if you’re involved in an accident caused by someone who:

  • Has no insurance
  • Does not have enough insurance to cover your damages
  • Leaves the scene in a hit-and-run

This coverage can help pay for medical expenses, lost wages, and sometimes vehicle damage when the at-fault driver cannot fully cover the loss.