In Conway, Bodily Injury Liability and Property Damage Liability are important insurance coverages to know. 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 Liability? 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 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. 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.
It's important to know that Bodily Injury Liability will not 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'll walk you through the ins-and-outs of other important coverages 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 Conway? The answer depends on a few factors. You could get Arkansas's statutory minimum Bodily Injury Liability limits. You could also go with higher limits.
The coverage "limits" are the greatest amount of money your car insurance company will pay in the event of 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 most they'll pay per accident. Selecting the lowest limits may help you get cheap car insurance, but it also means that you could be responsible for paying for the damages you cause that your insurance doesn't cover. 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 Insurance for Bodily Injury Liability in Conway and you'll find the benefits you want at a price your budget can handle. We don't believe drivers should have to give up their peace of mind to save a buck. 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 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 Conway is simple with Direct Auto! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Bodily Injury Liability Insurance coverage!