In Cullman, Bodily Injury Liability and Property Damage Liability are important insurance coverages to know. Most states have insurance laws that 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 is Bodily Injury? If you cause a car accident that injures another person, your Bodily Injury Liability coverage will step in to help protect you financially. 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 can also help pay for your legal fees if you're sued over the accident. In most no-fault states, you're still required to keep Bodily Injury coverage on your insurance policy.
Keep in mind that Bodily Injury Liability insurance won't help 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 losing sleep over how you'd pay for your own troubles after a covered accident, just give us a call! We'll walk you through the ins-and-outs of other important coverages like Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
When it comes to Bodily Injury in Cullman, how much liability insurance should you have? It depends on the driver and the state. You could get Alabama's statutory minimum Bodily Injury Liability limits. You could also go with higher limits.
The liability insurance coverage "limits" are the maximum amounts the policy will pay out for a covered accident. Bodily Injury limits are often illustrated in two amounts, something that is referred to as "split limits." The first amount is the sum of money that the company will pay for damages per person. The second amount is the per accident limit. Selecting the minimum limits may help you find the cheapest auto insurance, but it also means you could be on the hook for paying for damages you cause that your insurance doesn't cover. That's money out of your pocket. So, if you injure someone in an auto accident and their medical bills come up to be more than your Bodily Injury limits, you might be on the hook for the difference.
Visit Direct Auto & Life Insurance in Cullman for Bodily Injury coverage and you'll get the insurance you need at an affordable price. We don't believe drivers should have to give up their peace of mind to save a buck. We help you determine the best policy for your needs and find ALL the discounts you're entitled to. That's a promise! Next, you can make your car insurance feel even more affordable (and manageable) by customizing your payment schedule and choosing how you want to pay. It doesn't matter whether you pay cash in-person or pay with a credit card, making policy payments and maintaining Bodily Injury Coverage in Cullman is easy with Direct Auto & Life! Call 1-877-GO-DIRECT (1-877-463-4732) or stop by your nearest location to learn more about Bodily Injury Liability Insurance coverage today!