Do you drive in Paragould? 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? 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.
Note that Bodily Injury Liability won't pay for your accident-related car repairs, lost income, or medical expenses. 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 worried about having a financial cushion to help cover your own after-accident costs, give us a call. We can connect you with important coverage that can help like Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
What's the best amount of liability insurance to have in terms of Bodily Injury in Paragould? It depends on the driver and the state. You generally have two options: go with Arkansas'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 illustrated in two amounts, something that is referred to as "split limits." The first amount is how much the insurance company will pay for damages per person. The second amount is the most they'll pay per accident. Selecting the lowest limits may help you get cheap car 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 hurt someone in an auto accident and their medical expenses are more than your Bodily Injury limits, you might be responsible for the difference.
Pick Direct Auto & Life Insurance for Bodily Injury Liability in Paragould and you'll get the insurance you need 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. 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 opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you 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 Paragould is simple 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!