In Bradenton, Property Damage Liability and Bodily Injury are important insurance coverages to know. 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. 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.
Property Damage Liability claims are made when you're responsible for damaging another person's property. It will not help pay for your car's accident-related damages. Give us a call if you're not sure how you'd pay for your own after-accident costs. We'll explain the details of other coverages that can help like Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
What's the best amount of liability insurance to have in terms of Property Damage Liability in Bradenton? It depends on the driver and the state. You could get Florida's minimum Property Damage Liability limits as required by law, but you could also go with higher limits. Property Damage coverage is on a per accident basis, while Bodily Injury operates on a per person/per accident basis. Depending on the state and company, liability limits for Property Damage can range from $5,000 to $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 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! Get a quote online, call 1-877-GO-DIRECT (1-877-463-4732), or visit your local Direct Auto & Life Insurance in Bradenton. Property Damage Liability is just a click, call, or car ride 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 freedom to make your car insurance even more affordable by customizing how and when you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Property Damage Coverage in Bradenton is simple with Direct Auto & Life!