Do you drive in Clinton? Bodily Injury Liability and Property Damage Liability are coverages you need to know about. By law, most states require drivers to 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 Liability? If you cause a car accident that injures another person, your Bodily Injury Liability coverage will step in to help 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. It could also help pay for your legal fees in the event you're sued over the car accident. Drivers are required to carry Bodily Injury coverage even in most no-fault states.
Note that Bodily Injury Liability won't 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. 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 Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
When it comes to Bodily Injury in Clinton, how much liability insurance should you have? It depends on the driver and the state. You can choose to go with Mississippi'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 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 per accident limit. Going with 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 injure someone in an auto accident and their medical expenses are more than your Bodily Injury limits, you might be on the hook for the difference.
Pick Direct Auto & Life Insurance for Bodily Injury Liability in Clinton and you'll get the insurance you need at a price your budget can handle. We don't believe drivers should have to give up their peace of mind to save a buck. Our experienced agents will help you find the best policy for you and your budget, including all of the discounts you're entitled to! It's our promise to you! Next, 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 it's by cash, credit card, or check, staying on top of policy payments and your Bodily Injury Coverage in Clinton 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!