In Athens, Property Damage Liability and Bodily Injury are important insurance coverages to know. By law, most states require drivers to maintain a minimum amount of BI and PDL. When you're found to be at fault in a car accident, Bodily Injury helps pay for other drivers and passengers accident-related medical expenses (not yours). Property Damage Liability comes in handy when you cause an accident that damages someone else's property. It will help pay for this damage. This type of damage typically involves the other driver's car, but it could also include damage to a home, mailbox, fence, street sign, or guardrail.
Property Damage Liability coverage comes into play when you are responsible for damages to another person’s property. It will not help pay for your car's accident-related damages. 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 Property Damage Liability in Athens, how much liability insurance should you have? It depends on the driver and the state. You can choose to go with the minimum Property Damage Liability limit required by law in Alabama, or you can go with higher limits. Coverage "limits" are maximum amounts of money that your car insurance will pay out if you make a claim. Property Damage limits vary by state and insurance company. Liability limits can range between $5,000 and $100,000. Selecting the minimum limits may help you find the cheapest auto insurance, but it also means that you could be responsible for paying for property damage you cause that your insurance doesn't cover. That's money out of your pocket. So, if you cause property damage that goes beyond your limit, you may have to pay the difference.
Get the peace of mind you want and the coverage you need. Call 1-877-GO-DIRECT (1-877-463-4732), get an online quote, or come to your nearby Direct Auto & Life Insurance in Athens. Property Damage Liability coverage is only a call, click, or visit away! We help you determine the best policy for your needs and find ALL the discounts you're entitled to. That's a promise! From there, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, paying for Property Damage Coverage in Athens is hassle-free with Direct Auto & Life!