What is Covered? Primarily, auto insurance covers drivers from bodily injuries. In the event of injuries or death, a solid plan can provide legal defense and fiscal protection. Under "what is covered" - Also, auto insurance can cover the other driver, passenger or, pedestrians in an at fault claim plus assist with litigation if the need arises. In Tennessee, car insurance is mandatory, and the laws many litigations require individual drivers’ continual coverage. Car accidents happen, but an effective auto policy effectively protects drivers from disaster, unforeseen expenses and damages. Sometimes, auto insurance may be difficult to understand, but figuring out its inner networks, options and benefits is important for drivers and insurance agents a like.