Do you drive in Ft Smith? Property Damage Liability and Bodily Injury Liability are coverages you need to know about. By law, most states require drivers to maintain a minimum amount of BI and PDL. 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. 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.
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 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 Ft Smith? The answer depends on a few factors. You could get Arkansas's minimum Property Damage Liability limits as required by law, but you could also go with higher limits. Property Damage coverage operates on a per accident basis, unlike 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 the lowest limits may help you get cheap car 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 may have to pay 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 Ft Smith. Property Damage Liability is only a click, call, or short drive 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! Next, you have the opportunity to take your auto insurance to a whole new level of affordability 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 Ft Smith is easy with Direct Auto & Life!