Do you drive in Covington? 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. If you cause an accident and damage another person's property, Property Damage Liability will help pay for the damage. What's 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. It could also help pay for your legal fees in the event you're sued over the car accident. 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. Legal fees are about the only thing Bodily Injury Liability coverage will pay for when it comes to your costs after a covered accident. 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.
When it comes to Bodily Injury in Covington, how much liability insurance should you have? The answer depends on a few factors. You could get Tennessee'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 amount of money the company will pay for damages per person. The second amount is the maximum amount they'll pay per accident. Going with the minimum limits may help you find the cheapest 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 injure someone in an auto accident and their medical bills come up to be more than your Bodily Injury limits, you might be responsible for the difference.
Choose Direct Auto Insurance in Covington for Bodily Injury Liability 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. We promise! From there, 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 it's by cash, credit card, or check, paying for Bodily Injury Coverage in Covington is hassle-free 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!