In Chesapeake, Bodily Injury Liability and Property Damage Liability are important insurance coverages to know. Insurance laws in most states require that drivers 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 cause a car accident that injures another person, your Bodily Injury Liability coverage will step in to help 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. It can also help pay for your legal fees if you're sued over the accident. Drivers are required to carry Bodily Injury coverage even in most no-fault states.
Note that Bodily Injury Liability won't 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. If you're worried about having a financial cushion to help cover your own after-accident costs, give us a call. We can connect you with important coverage that can help like Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
When it comes to Bodily Injury in Chesapeake, how much liability insurance should you have? It depends. You generally have two options: go with Virginia's statutory minimum Bodily Injury Liability requirements or choose higher limits.
The coverage "limits" are the greatest amount of money your car insurance company will pay in the event of a covered loss. 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 maximum amount 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 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.
Visit Direct Auto Insurance in Chesapeake for Bodily Injury coverage 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! Our friendly agents will work with you to find the policy that matches your needs, plus every discount you're eligible for. 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 it's by cash, credit card, or check, making policy payments and maintaining Bodily Injury Coverage in Chesapeake is easy with Direct Auto! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Bodily Injury Liability Insurance coverage today!