Do you drive in Deerfield Beach? Property Damage Liability and Bodily Injury Liability are coverages you need to know about. 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. The "property" that's damaged is typically the other 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. 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 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 Deerfield Beach? 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. Property Damage limits vary by state and insurance company. Liability limits can range between $5,000 and $100,000. Going with the lowest limits may help you get cheap car insurance, but it also means that you could have to shell out more of your own money to pay for 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 may have to pay the difference.
Get the peace of mind you want and the coverage you need. Call 1-877-GO-DIRECT (1-877-463-4732), get an online quote, or come to your nearby Direct Auto & Life Insurance in Deerfield Beach. 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! 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, paying for Property Damage Coverage in Deerfield Beach is hassle-free with Direct Auto & Life!