In Elizabethton, Bodily Injury Liability and Property Damage Liability are important insurance coverages to know. Most states have insurance laws that 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 cause a car accident that injures another person, your Bodily Injury Liability coverage will step in to help 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 could also help pay for your legal fees in the event you're sued over the car accident. Drivers are required to carry Bodily Injury coverage even in most no-fault states.
Keep in mind that Bodily Injury Liability insurance won't help pay for your accident-related car repairs, lost income, or medical expenses. Legal fees are about the only thing Bodily Injury Liability coverage will pay for when it comes to your costs after a covered accident. Give us a call if you're not sure how you'd pay for your own after-accident costs. We'll explain the details of other coverages that can help like Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
When it comes to Bodily Injury in Elizabethton, 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 liability insurance coverage "limits" are the maximum amounts the policy will pay out for a covered accident. Bodily Injury limits are often illustrated in two amounts, something that 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. Selecting low limits could help you find cheap 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 injure someone in an auto accident and their medical bills come up to be more than your Bodily Injury limits, you might have to pay the difference.
Pick Direct Auto & Life Insurance for Bodily Injury Liability in Elizabethton and you can get the coverage you want at an affordable price. Drivers should never have to cut back on the protection that helps them feel safe on the road. 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! From there, you can make your car insurance feel even more affordable (and manageable) by customizing your payment schedule and choosing how you want to pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Bodily Injury Coverage in Elizabethton is simple 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!