In Huntsville, Property Damage Liability and Bodily Injury are important insurance coverages to know. Most states have insurance laws that require drivers to maintain a minimum amount of BI and PDL. Bodily Injury helps pay for other drivers and passengers accident-related medical expenses when you're at fault for the accident. It doesn't pay for any of your medical expenses. If you cause an accident and damage another person's property, Property Damage Liability will help pay for the damage. The "property" that's damaged is typically the other person's car, but might also include things like damage to a guardrail, fence, mailbox, or home.
Property Damage Liability claims are made when you're responsible for damaging another person's property. Your accident-related vehicle damages are not paid for under this coverage. 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 Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
What's the best amount of liability insurance to have in terms of Property Damage Liability in Huntsville? 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 vary by state and insurance company. Liability limits can range between $5,000 and $100,000. 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 property damage you cause that your insurance doesn't cover. So, if you cause property damage that goes beyond your limit, you might be responsible for paying the difference.
It's time to get the protection you need at a price you love! Get a quote online, call 1-877-GO-DIRECT (1-877-463-4732), or visit your local Direct Auto & Life Insurance in Huntsville. Property Damage Liability is only a click, call, or short drive 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! It's our promise to you! 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, making policy payments and maintaining Property Damage Coverage in Huntsville is easy with Direct Auto & Life!