In Russellville, Property Damage Liability and Bodily Injury are two important insurance coverages to understand. Most states have insurance laws that 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). If you cause an accident and damage another person's property, Property Damage Liability will help pay for the damage. This typically involves damage to another person’s car, but it might also include things like damage to a fence, home, mailbox, or guardrail.
You'll need your Property Damage Liability coverage if you're responsible for causing damage to another person's property. It does not cover damage to your own vehicle that might be caused by the same accident. 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.
How much liability insurance should you get when it comes to Property Damage Liability in Russellville? It depends. You can choose to go with the minimum Property Damage Liability limit required by law in Alabama, or you can go with higher limits. The liability insurance "limits" are the maximum amounts the policy will pay out for an accident. 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 property damage you cause that your insurance doesn't cover. That's money out of your pocket. So, if the property damage you cause in an accident is more than your coverage limit, you may have to pay the difference.
It's time to get the protection you need at a price you love! Call 1-877-GO-DIRECT (1-877-463-4732), get a quote online, or stop by your nearest Direct Auto & Life Insurance in Russellville. Property Damage Liability coverage is only a call, click, or visit away! 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! From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, making policy payments and maintaining Property Damage Coverage in Russellville is easy with Direct Auto & Life!