In Lancaster, 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 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. Even most no-fault states require drivers to have Bodily Injury on their policies.
It's important to know that Bodily Injury Liability will not 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 worried about having a financial cushion to help cover your own after-accident costs, give us a call. We'll explain the details of other coverages that can help like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
How much liability insurance should you get when it comes to Bodily Injury in Lancaster? It depends. You could get South Carolina's statutory minimum Bodily Injury Liability limits. You could also go with 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 sum of money that the company will pay for damages per person. The second amount is the most they'll pay per accident. Selecting the minimum limits may help you find the cheapest 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 costs end up being higher than your Bodily Injury limits, you might have to pay the difference.
Pick Direct Auto & Life Insurance for Bodily Injury Liability in Lancaster and you can get the coverage 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 friendly agents will work with you to find the policy that matches your needs, plus every discount you're eligible for. We promise! From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing your payment schedule and choosing how you want to 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 Lancaster is easy 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!