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In Cleveland, Bodily Injury Liability and Property Damage Liability are important insurance coverages to know. 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 Liability? If you or someone on your policy causes a car accident that injures another person, Bodily Injury Liability helps 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.

Keep in mind that Bodily Injury Liability insurance won't help pay for your accident-related car repairs, lost income, or medical expenses. In terms of your own bills after a covered accident, legal fees are about the only expenses that Bodily Injury Liability will help cover. If you're worried about having a financial cushion to help cover your own after-accident costs, give us a call. We'll walk you through the ins-and-outs of other important coverages like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.

When it comes to Bodily Injury in Cleveland, how much liability insurance should you have? The answer depends on a few factors. You generally have two options: go with Tennessee's statutory minimum Bodily Injury Liability requirements or choose 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 maximum amount they'll pay per accident. Selecting 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 costs end up being higher than your Bodily Injury limits, you might be on the hook for the difference.

Pick Direct Auto & Life Insurance for Bodily Injury Liability in Cleveland and you'll find the benefits 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. Our friendly agents will work with you to find the policy that matches your needs, plus every discount you're eligible for. That's a promise! From there, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. Whether you pay by credit card, check, or cash, paying for Bodily Injury Coverage in Cleveland is hassle-free 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!

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Tennessee drivers caught driving without the proper insurance could face a fine of $300. Officers of the law could legally have your vehicle towed on the spot if you don’t have proof of insurance. On January 1, 2017, the state of Tennessee put into place a state-of-the-art insurance verification system. This new program can locate drivers who do not have valid insurance, all through vehicle registration records. If a vehicle is identified as having an uninsured owner, the owner will not be able to renew their vehicle's registration.