In Rock Hill, 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 Liability? 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 could also help pay for your legal fees in the event you're sued over the car accident. 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 lost income, medical expenses, or accident-related car repairs. 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 can connect you with important coverage that can help like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
When it comes to Bodily Injury in Rock Hill, how much liability insurance should you have? It depends on the driver and the state. 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 how much the insurance company will pay for damages per person. The second amount is the most they'll pay per accident. Selecting the lowest limits may help you get cheap car 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 costs end up being higher than your Bodily Injury limits, you might have to pay the difference.
Choose Direct Auto & Life Insurance in Rock Hill for Bodily Injury Liability and you can get the coverage 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. 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. 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 Rock Hill is easy with Direct Auto & Life! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Bodily Injury Liability Insurance coverage today!