Do you drive in Fredericksburg? 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 Liability? 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. It can also help pay for your legal fees if you're sued over the accident. Even most no-fault states require drivers to have Bodily Injury on their policies.
Keep in mind that Bodily Injury Liability insurance won't help pay for your medical expenses, lost income, or any accident-related repairs to your vehicle. When it comes to your expenses after a covered accident, legal fees are about the only thing Bodily Injury Liability will help cover. 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 Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
When it comes to Bodily Injury in Fredericksburg, how much liability insurance should you have? It depends on the driver and the state. You can choose to go with Virginia's statutory minimum Bodily Injury Liability limits, or you can 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 maximum amount they'll pay per accident. Choosing low limits could help you find cheap 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 costs end up being higher than your Bodily Injury limits, you might be responsible for the difference.
Visit Direct Auto Insurance in Fredericksburg for Bodily Injury coverage and you'll find the benefits you want 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 experienced agents will help you find the best policy for you and your budget, including all of the discounts you're entitled to! We promise! After that, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Bodily Injury Coverage in Fredericksburg is simple 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!