In Little Rock, 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. Property Damage Liability comes in handy when you cause an accident that damages someone else's property. It will help pay for this damage. What's Bodily Injury? 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. If you're sued over the accident, it can also assist in paying for your legal fees. Drivers are required to carry Bodily Injury coverage even in most no-fault states.
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 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 Little Rock, 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 per accident limit. Selecting the minimum limits may help you find the cheapest 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 injure someone in an auto accident and their medical costs end up being higher than your Bodily Injury limits, you might have to pay the difference.
Pick Direct Auto & Life Insurance for Bodily Injury Liability in Little Rock and you can get the coverage you want at a price your budget can handle. We don't believe drivers should have to give up their peace of mind to save a buck. 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! From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you pay. Whether you pay by credit card, check, or cash, making policy payments and maintaining Bodily Injury Coverage in Little Rock 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!