In Athens, Property Damage Liability and Bodily Injury are important insurance coverages to know. Insurance laws in most states require that drivers 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, on the other hand, helps pay for damage to another person’s property that occurs in an accident you cause. This type of damage typically involves the other driver's car, but it could also include damage to a home, mailbox, fence, street sign, or guardrail.
Property Damage Liability claims are made when you're responsible for damaging another person's property. It does not cover damage to your own vehicle that might be caused by the same accident. If you're worried about having a financial cushion to help cover your own after-accident costs, give us a call. We'll explain the details of other coverages that can help like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
How much liability insurance should you get when it comes to Property Damage Liability in Athens? It depends. You have two options: go with Georgia'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. Depending on the state and company, liability limits for Property Damage can range from $5,000 to $100,000. Choosing low limits could help you find cheap 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.
Get the peace of mind you want and the coverage you need. Call 1-877-GO-DIRECT (1-877-463-4732), get a quote online, or stop by your nearest Direct Auto & Life Insurance in Athens. Property Damage Liability is only a click, call, or short drive 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! Next, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether you pay by credit card, check, or cash, making policy payments and maintaining Property Damage Coverage in Athens is easy with Direct Auto & Life!