In Orangeburg, 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. If you cause an accident and damage another person's property, Property Damage Liability will help pay for the damage. What's Bodily Injury? Bodily Injury Liability helps protect you financially if you or someone on your policy causes a car accident that injures another person. 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 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.
It's important to know that Bodily Injury Liability will not help pay for your lost income, medical expenses, or accident-related car repairs. In terms of your own bills after a covered accident, legal fees are about the only expenses that Bodily Injury Liability will help cover. 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 Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
How much liability insurance should you get when it comes to Bodily Injury in Orangeburg? It depends. You generally have two options: go with South Carolina's statutory minimum Bodily Injury Liability requirements or choose higher limits.
The coverage "limits" are maximum amounts of money that your car insurance will pay out if you make a claim for 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 per accident limit. Choosing low limits could help you find cheap auto 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 hurt someone in an auto accident and their medical expenses are more than your Bodily Injury limits, you might be responsible for the difference.
Choose Direct Auto & Life Insurance in Orangeburg for Bodily Injury Liability 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 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 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 Orangeburg 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!