Do you drive in Decatur? Property Damage Liability and Bodily Injury Liability are coverages you need to know about. When you're at-fault for a car accident, your Bodily Injury helps pay for the other drivers and passengers medical expenses. It doesn't help pay for yours. If you cause an accident and damage another person's property, Property Damage Liability will help pay for the damage. This type of damage typically involves the other driver's car, but might also include things like damage to a guardrail, fence, mailbox, or home.
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. 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 Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
What's the best amount of liability insurance to have in terms of Property Damage Liability in Decatur? It depends. You could get Alabama's minimum Property Damage Liability limits as required by law, but you could also go with higher limits. Property Damage limits operate on a per accident basis. This is different than Bodily Injury Liability which operates on a per person/per accident basis. Property Damage limits can range from $5,000 to $100,000 depending on the state and company. Selecting low limits could help you find cheap auto insurance, but it also means that you could be responsible for paying for the property damage you cause that your insurance doesn't cover. So, if you cause property damage that goes beyond your limit, you could be required to make up the difference out of your own pocket.
It's time to get the protection you need at a price you love! Call 1-877-GO-DIRECT (1-877-463-4732), get an online quote, or come to your nearby Direct Auto & Life Insurance in Decatur. Property Damage Liability coverage is only a call, click, or visit away! 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! 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. It doesn't matter whether you pay cash in-person or pay with a credit card, paying for Property Damage Coverage in Decatur is hassle-free with Direct Auto & Life!