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In Charleston, 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. Property Damage Liability helps pay for damage to another person’s property that occurs in an accident you caused. What's Bodily Injury? 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 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 could also help pay for your legal fees in the event you're sued over the car accident. In most no-fault states, you're still required to keep Bodily Injury coverage on your insurance policy.

It's important to know that Bodily Injury Liability will not help pay for your accident-related car repairs, lost income, or medical expenses. 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 worried about having a financial cushion to help cover your own after-accident costs, give us a call. We can connect you with important coverage that can help 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 Charleston? The answer depends on a few factors. You could get South Carolina's statutory minimum Bodily Injury Liability limits. You could also go with higher limits.

The liability insurance coverage "limits" are the maximum amounts the policy will pay out for a covered accident. 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 per accident limit. Going with the lowest limits may help you get cheap car 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 expenses are more than your Bodily Injury limits, you might have to pay the difference.

Visit Direct Auto & Life Insurance in Charleston for Bodily Injury coverage and you can get the coverage you want 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. That's a promise! After that, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, staying on top of policy payments and your Bodily Injury Coverage in Charleston is simple 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!

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