In Dania, Property Damage Liability and Bodily Injury are important insurance coverages to know. Bodily Injury helps pay for other drivers and passengers accident-related medical expenses when you're at fault for the accident. It doesn't pay for any of your medical expenses. 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 might also include things like damage to a guardrail, fence, mailbox, or home.
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. 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 Dania? It depends on the driver and the state. You have two options: go with Florida'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. Depending on the state and company, liability limits for Property Damage can range from $5,000 to $100,000. 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 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 Dania. 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! After that, you can make your car insurance feel even more affordable (and manageable) 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 Dania is simple with Direct Auto & Life!