If you have recently been in a car wreck it's important to understand the different types of coverage you have available under your Tennessee Auto Insurance Policy. Either you've paid for insurance for years and now you finally need to use it, or you want to know about the insurance for the person who caused the wreck and your personal injuries. Most injury victims involved in a car wreck think there are two types of auto insurance: liability insurance or "full coverage." But what is full coverage, exactly? It's actually not even a thing. It's a made-up phrase that refers to a combination of different types of insurance coverage.