Treating you like family has been the guiding principle of our agency.
Service always comes first at TCDS Insurance Agency. We go the extra mile to ensure your coverage and service needs are met. Because making insurance easier for you and protecting what matters most is what we focus on.
When you contact our agency, you can count on reliable service, timely responses, and professional advice with a caring approach. We want to make it as simple as possible for you to have the peace of mind protection you deserve, and we do that by taking customer service to the next level.
As a local agency, we treat you like family and strive to bring you the best coverage for your needs and budget. We represent multiple insurance companies, but we work for you, bringing quality coverage for individuals, families, and businesses throughout Alabama, Tennessee, and Georgia.
The Independent Agency Advantage
Here’s what sets us apart when it comes to serving your insurance needs.
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Auto Insurance 101
Make sure you cover the unique risks you face with auto insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.