Do you drive in Covington? 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 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. 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 can also help pay for your legal fees if you're sued over the 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 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. If you're worried about having a financial cushion to help cover your own after-accident costs, give us a call. We'll explain the details of other coverages that can help like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
When it comes to Bodily Injury in Covington, how much liability insurance should you have? It depends on the driver and the state. 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 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 most they'll pay per accident. Selecting the lowest limits may help you get cheap car 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 on the hook for the difference.
Pick Direct Auto & Life Insurance for Bodily Injury Liability in Covington and you'll find the benefits you want at an affordable price. Drivers should never have to cut back on the protection that helps them feel safe on the road. We help you determine the best policy for your needs and find ALL the discounts you're entitled to. We 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, making policy payments and maintaining Bodily Injury Coverage in Covington is easy 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!