In Batesville, 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 helps pay for damage to another person’s property that occurs in an accident you caused. What is 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. Even most no-fault states require drivers to have Bodily Injury on their policies.
It's important to know that Bodily Injury Liability will not help pay for your medical expenses, lost income, or any accident-related repairs to your vehicle. 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 Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
What's the best amount of liability insurance to have in terms of Bodily Injury in Batesville? It depends on the driver and the state. You can choose to go with Mississippi'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 the sum of money that the company will pay for damages per person. The second amount is the most they'll pay per accident. Going with 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 expenses are more than your Bodily Injury limits, you might have to pay the difference.
Visit Direct Auto Insurance in Batesville for Bodily Injury coverage and you'll get the insurance you need at a price you can afford. We don't believe drivers should have to give up their peace of mind to save a buck. Our friendly agents will work with you to find the policy that matches your needs, plus every discount you're eligible for. We promise! After that, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. Whether it's by cash, credit card, or check, paying for Bodily Injury Coverage in Batesville is hassle-free 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!