Do you drive in Knoxville? 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 comes in handy when you cause an accident that damages someone else's property. It will help pay for this damage. What is Bodily Injury? 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 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. If you're sued over the accident, it can also assist in paying for your legal fees. In most no-fault states, you're still required to keep Bodily Injury coverage on your insurance policy.
Keep in mind that Bodily Injury Liability insurance won't help 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 worried about having a financial cushion to help cover your own after-accident costs, give us a call. We can connect you with important coverage that can help like Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
How much liability insurance should you get when it comes to Bodily Injury in Knoxville? It depends on the driver and the state. You could get Tennessee's statutory minimum Bodily Injury Liability limits. You could also 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 illustrated in two amounts, something that 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 the minimum limits may help you find the cheapest 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 Knoxville for Bodily Injury coverage and you can get the coverage you want at a price you can afford. No need to cut back on protection that provides you with much needed peace of mind! We help you determine the best policy for your needs and find ALL the discounts you're entitled to. We promise! Next, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Bodily Injury Coverage in Knoxville is simple 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!