In Lakeland, Bodily Injury Liability and Property Damage Liability are two valuable insurance coverages you should understand--at least when it comes to the basics. 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 is 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. 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. If you're sued over the accident, it can also assist in paying for your legal fees. Drivers are required to carry Bodily Injury coverage even in most no-fault states.
It's important to know that Bodily Injury Liability will not help 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. Give us a call if you're not sure how you'd pay for your own after-accident costs. 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 Lakeland? It depends. You can choose to go with Florida'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 illustrated in two amounts, something that 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. Selecting the lowest limits may help you get cheap car insurance, but it also means you could be on the hook for paying for damages you cause that your insurance doesn't cover. That's money out of your pocket. 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.
Visit Direct Auto Insurance in Lakeland for Bodily Injury coverage and you'll get the insurance you need at an affordable price. 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! From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, staying on top of policy payments and your Bodily Injury Coverage in Lakeland 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!