Metallica is an American heavy metal band formed in Los Angeles, California. The band was formed in 1981 when vocalist/guitarist James Hetfield responded to an advertisement posted by drummer Lars Ulrich in a local newspaper. Metallica's current line-up comprises founding members Hetfield and Ulrich, longtime lead guitarist Kirk Hammett and bassist Robert Trujillo.
Tennessee Insurance Costs for Drivers. For drivers in Tennessee, insurance is, again, a little cheaper than the national average. Throughout the country, drivers pay an average of $795 a year for car insurance; Tennessee drivers pay an average of $649.
Personal injury protection (PIP or MEDEX) pays a per-person benefit amount for injuries you (the insured), and others specified in your policy, sustain in an auto accident. Basic personal injury car insurance coverage is for the insured's own injuries on a first-party basis, without regard to fault. [Let CarInsurance.com help you find affordable auto insurance now.]. Parties typically covered by PIP include: 1  Policyholder.