In Deland, Bodily Injury Liability and Property Damage Liability are important insurance coverages to know. 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 is 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 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. 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 accident-related car repairs, lost income, or medical expenses. In terms of your own bills after a covered accident, legal fees are about the only expenses that Bodily Injury Liability will help cover. Give us a call if you're not sure how you'd pay for your own after-accident costs. 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 Deland, how much liability insurance should you have? It depends on the driver and the state. You can choose to go with Florida's statutory minimum Bodily Injury Liability limits, or you can go with 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 illustrated in two amounts, something that 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. Choosing the lowest limits may help you get cheap car 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 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.
Choose Direct Auto & Life Insurance in Deland for Bodily Injury Liability and you'll find the benefits you want at a price your budget can handle. Drivers should never have to cut back on the protection that helps them feel safe on the road. Our experienced agents will help you find the best policy for you and your budget, including all of the discounts you're entitled to! We promise! After that, you have the freedom to make your car insurance even more affordable by customizing how and when 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 Deland 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!