In Bradenton, Bodily Injury Liability and Property Damage Liability are important insurance coverages to know. Most states have insurance laws that 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 Liability? 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 cover the other person's medical bills and pay for things like x-rays, casts, and stitches, along with 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. In most no-fault states, you're still required to keep Bodily Injury coverage on your insurance policy.
Keep in mind that Bodily Injury Liability insurance won't help pay for your lost income, medical expenses, or accident-related car repairs. In terms of your own bills after a covered accident, legal fees are about the only expenses that 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 Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
When it comes to Bodily Injury in Bradenton, how much liability insurance should you have? It depends on the driver and the state. You generally have two options: go with Florida's statutory minimum Bodily Injury Liability requirements or choose higher limits.
The coverage "limits" are maximum amounts of money that your car insurance will pay out if you make a claim for a covered loss. Bodily Injury limits are often displayed with two amounts, which 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 most they'll pay per accident. Going with 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 have to pay the difference.
Visit Direct Auto & Life Insurance in Bradenton for Bodily Injury coverage and you can get the coverage you want at an affordable price. Drivers should never have to cut back on the protection that helps them feel safe on the road. Our friendly agents will work with you to find the policy that matches your needs, plus every discount you're eligible for. That's a promise! Next, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Bodily Injury Coverage in Bradenton is simple 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!