In Pensacola, Bodily Injury Liability and Property Damage Liability are two valuable insurance coverages you should understand--at least when it comes to the basics. Most states have insurance laws that 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? 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. 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 medical expenses, lost income, or any accident-related repairs to your vehicle. When it comes to your expenses after a covered accident, legal fees are about the only thing 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 can connect you with important coverage that can help like Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
How much liability insurance should you get when it comes to Bodily Injury in Pensacola? It depends on the driver and the state. 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 displayed with two amounts, which is referred to as "split limits." The first amount is how much the insurance company will pay for damages per person. The second amount is the most they'll pay per accident. Choosing low limits could help you find cheap auto 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 Pensacola for Bodily Injury coverage and you can get the coverage you want 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. 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. Whether it's by cash, credit card, or check, staying on top of policy payments and your Bodily Injury Coverage in Pensacola is simple with Direct Auto! 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!