In Columbus, Property Damage Liability and Bodily Injury are two important insurance coverages to understand. Most states have insurance laws that require drivers to 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. 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 it could also include damage to a home, mailbox, fence, street sign, or guardrail.
You'll need your Property Damage Liability coverage if you're responsible for causing damage to another person's property. Your accident-related vehicle damages are not paid for under this coverage. 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.
When it comes to Property Damage Liability in Columbus, how much liability insurance should you have? The answer depends on a few factors. You can choose to go with the minimum Property Damage Liability limit required by law in Mississippi, or you can go with higher limits. "Limits" determine the greatest amount of money your car insurance company will pay in the event that you need to use your coverage. 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 you cause property damage that goes beyond your 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 Columbus. 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! Next, you have the freedom to make your car insurance even more affordable by customizing your payment schedule and choosing how you want to pay. Whether you pay by credit card, check, or cash, paying for Property Damage Coverage in Columbus is hassle-free with Direct Auto & Life!