In Lagrange, Property Damage Liability and Bodily Injury are two important insurance coverages to understand. By law, most states require drivers to maintain a minimum amount of BI and PDL. When you're found to be at fault in a car accident, Bodily Injury helps pay for other drivers and passengers accident-related medical expenses (not yours). If you cause an accident and damage another person's property, Property Damage Liability will help pay for the 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 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 walk you through the ins-and-outs of other important coverages like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
What's the best amount of liability insurance to have in terms of Property Damage Liability in Lagrange? The answer depends on a few factors. You have two options: go with Georgia'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 low limits could help you find cheap auto insurance, but it also means that you could be responsible for paying for the 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.
Ready to get the protection you want at a price you can afford? Get a quote online, call 1-877-GO-DIRECT (1-877-463-4732), or visit your local Direct Auto & Life Insurance in Lagrange. Property Damage Liability is just a click, call, or car ride away! We help you determine the best policy for your needs and find ALL the discounts you're entitled to. It's our promise to you! From there, you can make your car insurance feel even more affordable (and manageable) by customizing the time and way you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, making policy payments and maintaining Property Damage Coverage in Lagrange is easy with Direct Auto & Life!