Do you drive in Dalton? 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 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. Bodily Injury helps pay for the other person's medical costs, like physical therapy or stitches, as well as lost income as a result of the 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. 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 Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
What's the best amount of liability insurance to have in terms of Bodily Injury in Dalton? It depends on the driver and the state. You could get Georgia's statutory minimum Bodily Injury Liability limits. You could also 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 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 maximum amount they'll pay per accident. Selecting the lowest limits may help you get cheap car 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 injure someone in an auto accident and their medical costs end up being higher than your Bodily Injury limits, you might be responsible for the difference.
Choose Direct Auto & Life Insurance in Dalton for Bodily Injury Liability and you'll get the insurance you need at an affordable price. No need to cut back on protection that provides you with much needed peace of mind! 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 have the freedom to make your car insurance even more affordable by customizing your payment schedule and choosing how you want to pay. Whether you pay by credit card, check, or cash, paying for Bodily Injury Coverage in Dalton is hassle-free 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!