Do you drive in Fort Smith? Bodily Injury Liability and Property Damage Liability are coverages you need to know about. By law, most states 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's Bodily Injury Liability? If you or someone on your policy causes a car accident that injures another person, Bodily Injury Liability helps 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 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. When it comes to your expenses after a covered accident, legal fees are about the only thing Bodily Injury Liability will help cover. 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 explain the details of other coverages that can help like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
When it comes to Bodily Injury in Fort Smith, how much liability insurance should you have? The answer depends on a few factors. You generally have two options: go with Arkansas's statutory minimum Bodily Injury Liability requirements or choose 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 shown with two amounts. This 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. Choosing the lowest limits may help you get cheap car 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 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 Fort Smith for Bodily Injury coverage and you can get the coverage you want at an affordable price. 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. We promise! From there, you have the freedom to make your car insurance even more affordable 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 Fort Smith 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!