Do you drive in Summerville? Bodily Injury Liability and Property Damage Liability are coverages you need to know about. By law, most states require drivers to maintain a minimum amount of BI and PDL. Property Damage Liability comes in handy when you cause an accident that damages someone else's property. It will help pay for this 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. Bodily Injury helps pay for the other person's medical costs, like physical therapy or stitches, as well as lost income as a result of the injuries. It could also help pay for your legal fees in the event you're sued over the car accident. Even most no-fault states require drivers to have Bodily Injury on their policies.
Note that Bodily Injury Liability won't pay for your accident-related car repairs, lost income, or medical expenses. 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 explain the details of other coverages that can help like Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
What's the best amount of liability insurance to have in terms of Bodily Injury in Summerville? 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 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 shown with two amounts. This 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. Selecting 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 hurt someone in an auto accident and their medical expenses are more than your Bodily Injury limits, you might be on the hook for the difference.
Choose Direct Auto & Life Insurance in Summerville for Bodily Injury Liability and you can get the coverage you want at a price you can afford. 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! After that, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Bodily Injury Coverage in Summerville 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!