In Holly Hill, Property Damage Liability and Bodily Injury are two important insurance coverages to understand. Insurance laws in most states require that drivers maintain a minimum amount of BI and PDL. 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. If you cause an accident and damage another person's property, Property Damage Liability will help pay for the damage. This type of damage typically involves the other driver'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 losing sleep over how you'd pay for your own troubles after a covered accident, just give us a call! We can connect you with important coverage that can help like Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
How much liability insurance should you get when it comes to Property Damage Liability in Holly Hill? It depends. You have two options: go with Florida's minimum Property Damage Liability limits as required by law or choose higher limits. The liability insurance "limits" are the maximum amounts the policy will pay out for an accident. Property Damage limits can range from $5,000 to $100,000 depending on the state and company. 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 you cause property damage that ends up totaling more than your coverage limit, you could be required to make up the difference out of your own pocket.
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 Holly Hill. Property Damage Liability is only a click, call, or short drive away! We help you determine the best policy for your needs and find ALL the discounts you're entitled to. We promise! From there, you can make your car insurance feel even more affordable (and manageable) by customizing the time and way you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Property Damage Coverage in Holly Hill is simple with Direct Auto & Life!