In Hattiesburg, 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. 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 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 will not help pay for your car's accident-related damages. 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 Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
What's the best amount of liability insurance to have in terms of Property Damage Liability in Hattiesburg? It depends on the driver and the state. You have two options: go with Mississippi's minimum Property Damage Liability limits as required by law or choose 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. Choosing low limits could help you find cheap auto 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 may have to pay the difference.
Ready to get the protection you want at a price you can afford? Call 1-877-GO-DIRECT (1-877-463-4732), get a quote online, or stop by your nearest Direct Auto & Life Insurance in Hattiesburg. Property Damage Liability coverage is only a call, click, or visit away! We help you determine the best policy for your needs and find ALL the discounts you're entitled to. That's a promise! From there, you have the opportunity to take your auto insurance to a whole new level of affordability 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 Hattiesburg is hassle-free with Direct Auto & Life!