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In Chattanooga, Bodily Injury Liability and Property Damage Liability are two valuable insurance coverages you should understand--at least when it comes to the basics. By law, most states require drivers to 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. 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 can also help pay for your legal fees if you're sued over the accident. Drivers are required to carry Bodily Injury coverage even in most no-fault states.

Note that Bodily Injury Liability won't 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. 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 Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.

When it comes to Bodily Injury in Chattanooga, how much liability insurance should you have? It depends. You could get Tennessee'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 how much the insurance 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 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 Chattanooga for Bodily Injury Liability and you'll get the insurance you need at a price you can afford. Drivers should never have to cut back on the protection that helps them feel safe on the road. Our friendly agents will work with you to find the policy that matches your needs, plus every discount you're eligible for. It's our promise to you! From there, 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, paying for Bodily Injury Coverage in Chattanooga is hassle-free 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!

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The fine for being an uninsured driver in Tennessee is $300 (and it's a Class A Misdemeanor). The police are legally allowed to have your car immediately towed away if proof of valid insurance is not produced. On January 1, 2017, the state of Tennessee implemented a new insurance verification program, available online. The system has the ability to identify uninsured drivers through their vehicle registrations. If the system finds that a vehicle is uninsured, the vehicle will not be eligible for registration renewal.