Direct Locations Near You

Get Your Quote

In Collierville, Bodily Injury Liability and Property Damage Liability are two valuable insurance coverages you should understand--at least when it comes to the basics. Insurance laws in most states require that drivers 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. In most no-fault states, you're still required to keep Bodily Injury coverage on your insurance policy.

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. Give us a call if you're not sure how you'd pay for your own after-accident costs. We'll walk you through the ins-and-outs of other important coverages like Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.

When it comes to Bodily Injury in Collierville, how much liability insurance should you have? It depends on the driver and the state. You could get Tennessee's statutory minimum Bodily Injury Liability limits. You could also go with 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 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 per accident limit. Going with the minimum limits may help you find the cheapest 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 bills come up to be more than your Bodily Injury limits, you might be responsible for the difference.

Visit Direct Auto & Life Insurance in Collierville for Bodily Injury coverage 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. It's our promise to you! After that, 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 Collierville 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!

Get Your Quote

Uninsured drivers in Tennessee caught driving without the proper insurance could face a fine of $300. Cops could legally have your car immediately towed away if you are not able to provide proof of insurance. On January 1, 2017, the state of Tennessee implemented an online program to verify drivers’ insurance. The system has the ability to identify uninsured drivers by accessing vehicle registration records. Vehicles that are owned by uninsured drivers will be ineligible for renewal.