Do you drive in Meridian? Bodily Injury Liability and Property Damage Liability are coverages you need to know about. Most states have insurance laws that 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's Bodily Injury Liability? 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. It can also help pay for your legal fees if you're sued over the accident. 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 lost income, medical expenses, or accident-related car repairs. 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 explain the details of other coverages that can help like Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
How much liability insurance should you get when it comes to Bodily Injury in Meridian? It depends. 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 the greatest amount of money your car insurance company will pay in the event of a covered loss. Bodily Injury limits are often displayed with two amounts, which is referred to as "split limits." The first amount is how much the insurance company will pay for damages per person. The second amount is the most they'll pay per accident. Choosing the minimum limits may help you find the cheapest auto insurance, but it also means you could be on the hook for paying for damages you cause that your insurance doesn't cover. That's money out of your pocket. So, if you hurt someone in an auto accident and their medical costs end up being higher than your Bodily Injury limits, you might have to pay the difference.
Visit Direct Auto & Life Insurance in Meridian for Bodily Injury coverage 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! Next, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Bodily Injury Coverage in Meridian is simple with Direct Auto & Life! Call 1-877-GO-DIRECT (1-877-463-4732) or stop by your nearest location to learn more about Bodily Injury Liability Insurance coverage today!