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Do you drive in Clearwater? 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. If you cause an accident and damage another person's property, Property Damage Liability will help pay for the 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. In most no-fault states, you're still required to keep Bodily Injury coverage on your insurance policy.

Note that Bodily Injury Liability won't pay for your lost income, medical expenses, or accident-related car repairs. 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 can connect you with important coverage that can help like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.

How much liability insurance should you get when it comes to Bodily Injury in Clearwater? The answer depends on a few factors. You can choose to go with Florida's statutory minimum Bodily Injury Liability limits, or you can go with 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 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 low limits could help you find cheap 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 expenses are more than your Bodily Injury limits, you might have to pay the difference.

Visit Direct Auto & Life Insurance in Clearwater for Bodily Injury coverage and you'll find the benefits you want at a price you can afford. 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. We promise! After that, you can make your car insurance feel even more affordable (and manageable) 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 Clearwater 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!

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