In Charleston, Bodily Injury Liability and Property Damage Liability are two valuable insurance coverages you should understand--at least when it comes to the basics. 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? If you or someone on your policy causes a car accident that injures another person, Bodily Injury Liability helps 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 can also help pay for your legal fees if you're sued over the 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 lost income, medical expenses, or accident-related car repairs. When it comes to your expenses after a covered accident, legal fees are about the only thing 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.
When it comes to Bodily Injury in Charleston, how much liability insurance should you have? It depends on the driver and the state. You generally have two options: go with South Carolina's statutory minimum Bodily Injury Liability requirements or choose 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 maximum amount they'll pay per accident. Selecting low limits could help you find cheap auto 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 cause bodily harm to someone in an auto accident and their medical bills come up to be 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 Charleston and you'll find the benefits you want at an affordable price. No need to cut back on protection that provides you with much needed peace of mind! 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! After that, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Bodily Injury Coverage in Charleston is easy with Direct Auto & Life! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Bodily Injury Liability Insurance coverage today!