In Columbia, Bodily Injury Liability and Property Damage Liability are important insurance coverages to know. By law, most states 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? 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. If you're sued over the accident, it can also assist in paying for your legal fees. Even most no-fault states require drivers to have Bodily Injury on their policies.
Note that Bodily Injury Liability won't pay for your medical expenses, lost income, or any accident-related repairs to your vehicle. Legal fees are about the only thing Bodily Injury Liability coverage will pay for when it comes to your costs after a covered accident. 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 Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
What's the best amount of liability insurance to have in terms of Bodily Injury in Columbia? The answer depends on a few factors. You generally have two options: go with South Carolina's statutory minimum Bodily Injury Liability requirements or choose 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 amount of money the company will pay for damages per person. The second amount is the per accident limit. Going with 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 expenses are more than your Bodily Injury limits, you might have to pay the difference.
Visit Direct Auto & Life Insurance in Columbia for Bodily Injury coverage and you'll find the benefits you want at a price your budget can handle. 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! That's a promise! From there, 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 Columbia 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!