In Harlingen, Bodily Injury Liability and Property Damage Liability are two valuable insurance coverages you should understand--at least when it comes to the basics. By law, most states 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. Bodily Injury helps pay for the other person's medical costs, like physical therapy or stitches, as well as lost income as a result of the injuries. It could also help pay for your legal fees in the event you're sued over the car accident. Even most no-fault states require drivers to have Bodily Injury on their policies.
Note that Bodily Injury Liability won't pay for your accident-related car repairs, lost income, or medical expenses. 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'll walk you through the ins-and-outs of other important coverages like Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
When it comes to Bodily Injury in Harlingen, how much liability insurance should you have? The answer depends on a few factors. You could get Texas's statutory minimum Bodily Injury Liability limits. You could also go with higher limits.
The coverage "limits" are maximum amounts of money that your car insurance will pay out if you make a claim for a covered loss. Bodily Injury limits are often shown with two amounts. This 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 maximum amount they'll pay per accident. Going with 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 cause bodily harm to someone in an auto accident and their medical costs end up being higher than your Bodily Injury limits, you might have to pay the difference.
Choose Direct Auto & Life Insurance in Harlingen for Bodily Injury Liability and you can get the coverage you want at a price your budget can handle. 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 have the freedom to make your car insurance even more affordable by customizing how and when you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, paying for Bodily Injury Coverage in Harlingen is hassle-free 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!