Do you drive in LaGrange? Bodily Injury Liability and Property Damage Liability are coverages you need to know about. 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's Bodily Injury? 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 cover the other person's medical bills and pay for things like x-rays, casts, and stitches, along with 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 losing sleep over how you'd pay for your own troubles after a covered accident, just give us a call! We'll explain the details of other coverages that can help like Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
When it comes to Bodily Injury in LaGrange, how much liability insurance should you have? It depends on the driver and the state. You could get Georgia'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 how much the insurance company will pay for damages per person. The second amount is the per accident limit. Selecting the minimum limits may help you find the cheapest auto 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 hurt someone in an auto accident and their medical bills come up to be more than your Bodily Injury limits, you might be on the hook for the difference.
Choose Direct Auto Insurance in LaGrange for Bodily Injury Liability and you'll find the benefits 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 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, making policy payments and maintaining Bodily Injury Coverage in LaGrange is easy 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!