Gernt Insurance

Gernt Insurance A Family Owned Independent Insurance Agency
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Located in Crossville, TN in the heart of the beautiful Cumberland Plateau, Gernt Insurance has been serving businesses and families for over 30 years.

Hit a deer?Back into a pole?Tree limb falls on your car?Different types of coverage apply to different situations.Many p...
08/28/2026

Hit a deer?
Back into a pole?
Tree limb falls on your car?

Different types of coverage apply to different situations.

Many people carry both Comprehensive and Collision — but don’t know what each one actually does.

Micro-action:
✔ Look at your auto policy and see if you have both listed.

Or give us a call and we're happy to check!

Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

08/19/2026

A deer jumps out on Highway 127 at dusk and damages your vehicle.

Which coverage handles this?
A) Collision
B) Comprehensive
C) Liability
D) None

Correct answer: B) Comprehensive

Collision = hitting something.
Comprehensive = things that hit you (like deer, hail, theft)

Living in Tennessee means deer are common — especially at dusk.

If you’re not sure which deductibles you carry, message us “CAR.”

Because deer don’t check your policy first.

Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

08/18/2026

A deer jumps out on Highway 127 at dusk and damages your vehicle.
Quick question:

Which coverage handles this?
A) Collision
B) Comprehensive
C) Liability
D) None

Comment below 👇
Answer tomorrow.

Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

08/13/2026

Whether they’re headed to school or practice, adding a teen driver changes your risk — and your premiums.

Important things to check:
• Liability limits
• UM/UIM limits
• Good student discounts
• Defensive driving credits

Before they pull out of the driveway alone, let’s make sure the policy is ready.

Comment “TEEN” for a review.

Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

08/06/2026

Collision and Comprehensive sound technical—but they're actually easy to remember.

Collision = You hit something.
Comprehensive = Something hits you.

Whether it's another vehicle, a tree, hail, or a deer, knowing which coverage applies can help you better understand your auto insurance policy.

📍 Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

Tennessee still has a surprising number of uninsured drivers.So here’s the real question:If someone hits you and they do...
07/31/2026

Tennessee still has a surprising number of uninsured drivers.

So here’s the real question:
If someone hits you and they don’t have enough insurance… who pays?

That’s what Uninsured and Underinsured Motorist coverage is for.

Micro-action today:
Check if you have UM listed on your auto policy — and what the limits are.
If you’d like help reviewing it, we’re glad to go over it with you.

Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

07/27/2026

🎡 Cumberland County Fair Is Around the Corner

If you’re setting up a booth or selling at local events — do you have event liability coverage?

Many vendors assume their business policy automatically covers off-site events.

It often doesn’t.

Ask yourself:
If someone trips at my booth, am I covered?
If equipment is damaged, do I have protection?
Does the event require a certificate of insurance?

Before the fair starts, let’s make sure you’re ready.

Vendors — want a quick review?
Comment FAIR or message us.

📍 Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

07/22/2026

Correct answer:
C) Uninsured/Underinsured Motorist

This coverage steps in when the other driver doesn’t have enough insurance.

Tennessee minimum limits don’t go far in serious accidents.

If you haven’t reviewed your UM limits recently, message us “AUTO.”

The driver who hits you shouldn’t decide your financial future.

📍 Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

07/21/2026

What Would You Do?

You’re driving on I-40 near Crossville.
Another driver runs a red light and totals your vehicle.

They have minimum coverage.
Your medical bills are $40,000.

Quick question:
What coverage protects YOU in this situation?
A) Collision
B) Liability
C) Uninsured/Underinsured Motorist
D) Comprehensive

Drop your guess 👇
Answer tomorrow.

📍 Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

07/16/2026

Traffic has increased around Crossville — especially near I-40 and Buc-ee’s.

If someone without insurance hits you, your Uninsured Motorist coverage steps in.

But many policies carry the state minimum.

Medical bills don’t follow minimums.

Message “UM” if you want to see what your limits look like.

📍 Gernt Insurance Group
📞 (931) 484-3448
📍 171 Lantana Road, Crossville, TN 38555
🌐 gernt.com

Address

171 Lantana Road
Crossville, TN
38555

Opening Hours

Monday 8am - 4:30pm
Tuesday 8am - 4:30pm
Wednesday 8am - 4:30pm
Thursday 8am - 4:30pm
Friday 8am - 3pm

Telephone

+19314843448

Website

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