Do you drive in Russellville? Bodily Injury Liability and Property Damage Liability are coverages you need to know about. Insurance laws in most states require that drivers maintain a minimum amount of BI and PDL. Property Damage Liability helps pay for damage to another person’s property that occurs in an accident you caused. What's Bodily Injury Liability? 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. If you're sued over the accident, it can also assist in paying for your legal fees. Even most no-fault states require drivers to have Bodily Injury on their policies.
Note that Bodily Injury Liability won't pay for your accident-related car repairs, lost income, or medical expenses. 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'll walk you through the ins-and-outs of other important coverages 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 Russellville? It depends. You generally have two options: go with Alabama's statutory minimum Bodily Injury Liability requirements or choose higher limits.
The coverage "limits" are the greatest amount of money your car insurance company will pay in the event of a covered loss. Bodily Injury limits are often shown with two amounts. This 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. Choosing 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 have to pay the difference.
Pick Direct Auto & Life Insurance for Bodily Injury Liability in Russellville and you'll get the insurance you need at an affordable price. Drivers should never have to cut back on the protection that helps them feel safe on the road. We help you determine the best policy for your needs and find ALL the discounts you're entitled to. It's our promise to you! After that, 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, staying on top of policy payments and your Bodily Injury Coverage in Russellville is simple with Direct Auto & Life! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Bodily Injury Liability Insurance coverage today!