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In Cookeville, 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 Liability? Bodily Injury Liability helps protect you financially if you or someone on your policy causes a car accident that injures another person. 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. 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. 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 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 Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.

How much liability insurance should you get when it comes to Bodily Injury in Cookeville? It depends. You can choose to go with Tennessee's statutory minimum Bodily Injury Liability limits, or you can 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 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 injure someone in an auto accident and their medical expenses are more than your Bodily Injury limits, you might be responsible for the difference.

Visit Direct Auto & Life Insurance in Cookeville for Bodily Injury coverage and you can get the coverage you want 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 how and when you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Bodily Injury Coverage in Cookeville 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!

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The fine for being an uninsured driver in Tennessee is $300 (and it's a Class A Misdemeanor). Officers of the law could have your car towed on the spot if you are unable to produce proof of valid insurance. On January 1, 2017, Tennessee implemented a new online insurance verification program. The system is designed to track down uninsured drivers by accessing vehicle registration records. Vehicles that are owned by uninsured drivers will be ineligible for renewal.