Comp (a.k.a "comprehensive" or "other than collision") and collision are physical damage insurance coverage on a personal or business auto insurance policy. Collision coverage provides reimbursement for damage to your vehicle after you've been in a car accident in which there's no fault or you're at fault. Comp provides reimbursement for a set of named perils that include fire, hitting an animal, falling objects, if your car gets struck by lightning, and more. Comps will often be provided in conjunction with full glass coverage but are technically a separate part of the auto insurance policy. If you want to learn more from experts in auto and general liability insurance in Paris, TN, call Campbell Insurance Agency today!

Comprehensive physical damage coverage (also known as "comp coverage" or "other than collision coverage") is added coverage to your auto insurance policy that covers damage to your vehicle. Comprehensive physical damage coverage covers loss from risks other than collision, including but not limited to hitting deer, falling objects, water damage, fire, lightning, wind, and vandalism. It can also include glass coverage. Call our car insurance agents today to learn more about everything from auto insurance to homeowners insurance in Paris, TN and nearby areas.

Absolutely! If you can package your home and auto together with the same insurance company, you should do it. Significant cost savings could be involved, in addition to other benefits. Reach out today to get started with homeowners insurance in Paris, TN or surrounding areas.

Yes. General claims, claims for homes, and violations of autos do make a difference in the rating of your policy. The impact depends on the severity of the claim and whether you were at fault. We've seen that tickets and accidents can impact your premiums for three years while major tickets such as DUIs and careless driving can impact your rates for five years. If you're looking for assistance with homeowners insurance in Paris, TN, contact us today.

Yes. Your credit will be checked when an insurance company rates you for a home or auto policy. This is an insurance score, which is slightly different than your credit score. Your insurance score does not show as a hit on your credit like other credit inquiries (multiple credit inquiries can lower your credit score). We're here to help with your homeowners insurance in Paris, TN or neighboring areas.

Business insurance is tax deductible, as long as the coverage is for the purpose of operating a business, profession, or trade. Businesses may not deduct their business insurance premiums if the coverage is for the purpose of a self-insurance reserve fund or a loss of earning insurance policy. Call Campbell Insurance Agency today to work with the leading business insurance company in Paris, TN.

Business income insurance provides reimbursement for lost revenue after a covered insurance loss. For a company that doesn't have a physical address crucial to its business, such as a contractor, business income coverage is probably not necessary. For storefronts or main street businesses, like a coffee shop, our business insurance company in Paris, TN says business income is a must.

What defines an independent insurance agent is its ability to shop your insurance through multiple insurance companies. As insurance agents, our job is to help you create the best coverage package to meet your needs, and then go to the market and find the most competitively priced insurance company for those coverages. Whether you need auto insurance or contractor insurance in Paris, TN, we'll make sure your needs are well met.

Changing your insurance carrier will not affect your credit score. You can change as often as you like, and it doesn't matter to your credit score. Learn more today by calling our experts on homeowners insurance in Paris, TN.

We know that stuff happens and there will be an unfortunate instance where you'll have a claim to report. In our experience, the majority of our companies have 24/7 claim centers, and we would first advise you to call the insurance company where you have the claim and report it to an authorized representative. That being said, there are some advantages to calling our office to speak to our insurance agents about your claim.

As leaders in providing homeowners insurance in Paris, TN, our dedicated agents can advise you on the effects of filing your claim and explain how the claims process works. Hopefully, this will take the headache out of what's already a painful process. If this is an emergency, you should call your insurance provider directly to expedite the process.