In Athens, Bodily Injury Liability and Property Damage Liability are two valuable insurance coverages you should understand--at least when it comes to the basics. By law, most states require drivers to maintain a minimum amount of BI and PDL. If you cause an accident and damage another person's property, Property Damage Liability will help pay for the damage. What's Bodily Injury Liability? Bodily Injury Liability helps protect you financially if you or someone on your policy causes a car accident that injures another person. This coverage helps pay for the other person's medical expenses, like for stitches or x-rays, as well as lost income as a result of their injuries. It could also help pay for your legal fees in the event you're sued over the car accident. Even most no-fault states require drivers to have Bodily Injury on their policies.
Note that Bodily Injury Liability won't pay for your medical expenses, lost income, or any accident-related repairs to your vehicle. Legal fees are about the only thing Bodily Injury Liability coverage will pay for when it comes to your costs after a covered accident. If you're worried about having a financial cushion to help cover your own after-accident costs, give us a call. We can connect you with important coverage that can help like Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
What's the best amount of liability insurance to have in terms of Bodily Injury in Athens? It depends. You can choose to go with Alabama's statutory minimum Bodily Injury Liability limits, or you can go with higher limits.
The coverage "limits" are maximum amounts of money that your car insurance will pay out if you make a claim for a covered loss. Bodily Injury limits are often displayed with two amounts, which is referred to as "split limits." The first amount is the amount of money the company will pay for damages per person. The second amount is the maximum amount they'll pay per accident. Going with low limits could help you find cheap auto insurance, but it also means that you could be responsible for paying for the damages you cause that your insurance doesn't cover. So, if you hurt someone in an auto accident and their medical bills come up to be more than your Bodily Injury limits, you might be responsible for the difference.
Pick Direct Auto & Life Insurance for Bodily Injury Liability in Athens and you'll get the insurance you need at a price your budget can handle. No need to cut back on protection that provides you with much needed peace of mind! Our friendly agents will work with you to find the policy that matches your needs, plus every discount you're eligible for. It's our promise to you! Next, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether you pay by credit card, check, or cash, making policy payments and maintaining Bodily Injury Coverage in Athens is easy with Direct Auto & Life! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Bodily Injury Liability Insurance coverage!