In Crossville, 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? 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 can also help pay for your legal fees if you're sued over the 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 medical expenses, lost income, or any accident-related repairs to your vehicle. 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 losing sleep over how you'd pay for your own troubles after a covered accident, just give us a call! We'll walk you through the ins-and-outs of other important coverages like Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
What's the best amount of liability insurance to have in terms of Bodily Injury in Crossville? It depends. You can choose to go with Tennessee's statutory minimum Bodily Injury Liability limits, or you can go with higher limits.
The liability insurance coverage "limits" are the maximum amounts the policy will pay out for a covered accident. 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. Going with the lowest limits may help you get cheap car insurance, but it also means that could find yourself responsible for paying for the damages you cause that your insurance company does not cover. 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 on the hook for the difference.
Choose Direct Auto & Life Insurance in Crossville for Bodily Injury Liability and you can get the coverage you want at an affordable price. No need to cut back on protection that provides you with much needed peace of mind! Our experienced agents will help you find the best policy for you and your budget, including all of 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 it's by cash, credit card, or check, making policy payments and maintaining Bodily Injury Coverage in Crossville 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!