In Wetumpka, Property Damage Liability and Bodily Injury are important insurance coverages to know. 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. Property Damage Liability, on the other hand, helps pay for damage to another person’s property that occurs in an accident you cause. This typically involves damage to another person’s car, but it might also include things like damage to a fence, home, mailbox, or guardrail.
Property Damage Liability coverage comes into play when you are responsible for damages to another person’s property. Your accident-related vehicle damages are not paid for under this coverage. If you're losing sleep over how you'd pay for your own troubles after a covered accident, just give us a call! We'll explain the details of other coverages that can help like Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
When it comes to Property Damage Liability in Wetumpka, how much liability insurance should you have? The answer depends on a few factors. You could get Alabama's minimum Property Damage Liability limits as required by law, but you could also go with higher limits. "Limits" determine the greatest amount of money your car insurance company will pay in the event that you need to use your coverage. Depending on the state and company, liability limits for Property Damage can range from $5,000 to $100,000. Going with 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 you cause property damage that ends up totaling more than your coverage 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 Wetumpka. Property Damage Liability is only a click, call, or short drive 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 have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Property Damage Coverage in Wetumpka is easy with Direct Auto & Life!