In Aiken, Bodily Injury Liability and Property Damage Liability are important insurance coverages to know. Insurance laws in most states require that drivers 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? 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. 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.
Keep in mind that Bodily Injury Liability insurance won't 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. If you're losing sleep over how you'd pay for your own troubles after a covered accident, just give us a call! We can connect you with important coverage that can help like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
How much liability insurance should you get when it comes to Bodily Injury in Aiken? The answer depends on a few factors. You can choose to go with South Carolina'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 the sum of money that the company will pay for damages per person. The second amount is the most they'll pay per accident. Going with 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 cause bodily harm to 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.
Pick Direct Auto & Life Insurance for Bodily Injury Liability in Aiken and you can get the coverage you want 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 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 how and when you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Bodily Injury Coverage in Aiken 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!