In Florence, Bodily Injury Liability and Property Damage Liability are two valuable insurance coverages you should understand--at least when it comes to the basics. Most states have insurance laws that 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 Liability? 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 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. In most no-fault states, you're still required to keep Bodily Injury coverage on your insurance policy.
Keep in mind that Bodily Injury Liability insurance won't help pay for your accident-related car repairs, lost income, or medical expenses. Legal fees are about the only thing Bodily Injury Liability coverage will pay for when it comes to your costs after a covered accident. 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 Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
How much liability insurance should you get when it comes to Bodily Injury in Florence? It depends. You can choose to go with South Carolina's statutory minimum Bodily Injury Liability limits, or you can 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 the amount of money the company will pay for damages per person. The second amount is the maximum amount they'll pay per accident. Choosing low limits could help you find cheap 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 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.
Visit Direct Auto & Life Insurance in Florence for Bodily Injury coverage and you'll get the insurance you need at a price you can afford. Drivers should never have to cut back on the protection that helps them feel safe on the road. 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 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, staying on top of policy payments and your Bodily Injury Coverage in Florence 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!