Going Above and Beyond to Solve Your Insurance Needs

Simple. Happy. Insured. That’s the TCDS way.

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TCDS Insurance Agency

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.

Simple

Providing professional and friendly service that simplifies insurance and gives you peace of mind.

Happy

Truly caring about your needs and making you happy is what drives our agency every single day.

Insured

Dedicated to protecting the most important things in your life with the best possible insurance.

Real clients. Real reviews. Real coverage.

Check out our reviews and see why you should switch to TCDS Insurance Agency.

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Todd has always gone above and beyond for all my insurance needs. Whenever I need something he’s always a phone call away. I have great coverage and great rates.

– Shane T.

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TCDS Insurance Agency + IAOA

The insight and resources we get from our membership is put to better serving your needs.

Our IAOA Partnership

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.
Find Out How
Clients Come First

We go above and beyond to ensure you have the right coverage for your needs at an affordable rate.

Experienced Agents

With extensive experience and unique insight, we understand what it takes to bring you quality coverage.

Reliable Service

We simplify insurance through dedicated service, timely responses, and caring about your needs.

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Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Auto

Bodily Injury Liability Coverage

Risk Factor

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.

Solution

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.

Property Damage Coverage

Risk Factor

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. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.

Solution

Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Medical Payments Coverage

Risk Factor

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 care plan.

Solution

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

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.

Physical Damage Coverage

Risk Factor

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.

Solution

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.

Transportation Expenses / Rental Coverage

Risk Factor

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.

Solution

Transportation expenses/rental coverage 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.
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​Pinson, AL

4316 Main Street
​Pinson, AL 35126

Located in Pinson, AL, we provide personalized service to clients throughout Jefferson, AL, Blount, AL, St. Clair, AL, and Cullman, AL. We are also licensed in AL, TN, and GA.

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