Do you drive in Johnson City? Bodily Injury Liability and Property Damage Liability are coverages you need to know about. Insurance laws in most states require that drivers maintain a minimum amount of BI and PDL. Property Damage Liability comes in handy when you cause an accident that damages someone else's property. It will help pay for this damage. What's Bodily Injury? 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 cover the other person's medical bills and pay for things like x-rays, casts, and stitches, along with lost income as a result of their injuries. It can also help pay for your legal fees if you're sued over the accident. Drivers are required to carry Bodily Injury coverage even in most no-fault states.
Note that Bodily Injury Liability won't pay for your lost income, medical expenses, or accident-related car repairs. 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 Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
When it comes to Bodily Injury in Johnson City, 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 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 per accident limit. Selecting low limits could help you find cheap auto 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 expenses are more than your Bodily Injury limits, you might be responsible for the difference.
Visit Direct Auto & Life Insurance in Johnson City for Bodily Injury coverage and you'll find the benefits you want at an affordable price. 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! Next, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether you pay by credit card, check, or cash, paying for Bodily Injury Coverage in Johnson City is hassle-free with Direct Auto & Life! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Bodily Injury Liability Insurance coverage!