Do you drive in Maryville? 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 helps pay for damage to another person’s property that occurs in an accident you caused. What's Bodily Injury? 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 could also help pay for your legal fees in the event you're sued over the car 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. 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'll explain the details of other coverages that can help 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 Maryville? 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 displayed with two amounts, which is referred to as "split limits." The first amount is the sum of money that the company will pay for damages per person. The second amount is the per accident limit. Going with 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 costs end up being higher than your Bodily Injury limits, you might be on the hook for the difference.
Pick Direct Auto & Life Insurance for Bodily Injury Liability in Maryville and you can get the coverage you want at a price you can afford. 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! We promise! From there, 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, staying on top of policy payments and your Bodily Injury Coverage in Maryville 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!