In Conway, Bodily Injury Liability and Property Damage Liability are two valuable insurance coverages you should understand--at least when it comes to the basics. Most states have insurance laws that require drivers to 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 is Bodily Injury? 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.
It's important to know that Bodily Injury Liability will not 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. Give us a call if you're not sure how you'd pay for your own after-accident costs. 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 Conway? The answer depends on a few factors. You could get Arkansas's statutory minimum Bodily Injury Liability limits. You could also go with 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 displayed with two amounts, which 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 that could find yourself responsible for paying for the damages you cause that your insurance company does not cover. So, if you cause bodily harm to someone in an auto accident and their medical costs end up being higher than your Bodily Injury limits, you might be responsible for the difference.
Choose Direct Auto & Life Insurance in Conway for Bodily Injury Liability and you'll find the benefits you want at a price you can afford. No need to cut back on protection that provides you with much needed peace of mind! 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! Next, you have the freedom to make your car insurance even more affordable by customizing your payment schedule and choosing how you want to pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Bodily Injury Coverage in Conway is easy 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!