In Benton, 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 comes in handy when you cause an accident that damages someone else's property. It will help pay for this damage. This typically involves damage to another person’s car, but might also include things like damage to a guardrail, fence, mailbox, or home.
You'll need your Property Damage Liability coverage if you're responsible for causing damage 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'll walk you through the ins-and-outs of other important coverages like Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
When it comes to Property Damage Liability in Benton, how much liability insurance should you have? It depends on the driver and the state. You have two options: go with Arkansas's minimum Property Damage Liability limits as required by law or choose 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. Choosing the lowest limits may help you get cheap car 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 the property damage you cause in an accident is more than your coverage limit, you might be responsible for paying the difference.
Get the peace of mind you want and the coverage you need. Get a quote online, call 1-877-GO-DIRECT (1-877-463-4732), or visit your local Direct Auto & Life Insurance in Benton. 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! That's a promise! From there, you can make your car insurance feel even more affordable (and manageable) 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 Benton is easy with Direct Auto & Life!