Do you drive in Greenwood? Bodily Injury Liability and Property Damage Liability are coverages you need to know about. 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 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. Even most no-fault states require drivers to have Bodily Injury on their policies.
Keep in mind that Bodily Injury Liability insurance won't help pay for your medical expenses, lost income, or any accident-related repairs to your vehicle. 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'll walk you through the ins-and-outs of other important coverages 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 Greenwood? 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 maximum amount they'll pay per accident. Selecting the lowest limits may help you get cheap car 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 on the hook for the difference.
Choose Direct Auto & Life Insurance in Greenwood for Bodily Injury Liability and you'll find the benefits you want at a price you can afford. We don't believe drivers should have to give up their peace of mind to save a buck. We help you determine the best policy for your needs and find ALL the discounts you're entitled to. We 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, making policy payments and maintaining Bodily Injury Coverage in Greenwood is easy 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!