Do you drive in Macon? Bodily Injury Liability and Property Damage Liability are coverages you need to know about. By law, most states 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? 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. Even most no-fault states require drivers to have Bodily Injury on their policies.
Note that Bodily Injury Liability won't pay for your lost income, medical expenses, or accident-related car repairs. 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'll walk you through the ins-and-outs of other important coverages like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
How much liability insurance should you get when it comes to Bodily Injury in Macon? It depends. You could get Georgia's statutory minimum Bodily Injury Liability limits. You could also 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 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. Choosing 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 cause bodily harm to someone in an auto accident and their medical expenses are more than your Bodily Injury limits, you might be responsible for the difference.
Pick Direct Auto Insurance for Bodily Injury Liability in Macon and you can get the coverage 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. 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! Next, 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, making policy payments and maintaining Bodily Injury Coverage in Macon is easy 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!