In Fort Walton, 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 is 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 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. Drivers are required to carry Bodily Injury coverage even in most no-fault states.
It's important to know that Bodily Injury Liability will not help pay for your medical expenses, lost income, or any accident-related repairs to your vehicle. 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 Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
What's the best amount of liability insurance to have in terms of Bodily Injury in Fort Walton? It depends. You could get Florida's statutory minimum Bodily Injury Liability limits. You could also go with 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 shown with two amounts. This 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 most they'll pay per accident. Selecting low limits could help you find cheap 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 hurt someone in an auto accident and their medical costs end up being higher than your Bodily Injury limits, you might be on the hook for the difference.
Choose Direct Auto & Life Insurance in Fort Walton for Bodily Injury Liability and you can get the coverage you want at a price you can afford. No need to cut back on protection that provides you with much needed peace of mind! We help you determine the best policy for your needs and find ALL the discounts you're entitled to. That's a promise! Next, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing your payment schedule and choosing how you want to pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Bodily Injury Coverage in Fort Walton 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!