In Laurel, Property Damage Liability and Bodily Injury are important insurance coverages to know. 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). Property Damage Liability, on the other hand, helps pay for damage to another person’s property that occurs in an accident you cause. The "property" that's damaged is typically the other person'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. Your accident-related vehicle damages are not paid for under this coverage. If you're worried about having a financial cushion to help cover your own after-accident costs, give us a call. We can connect you with important coverage that can help like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
When it comes to Property Damage Liability in Laurel, how much liability insurance should you have? The answer depends on a few factors. You have two options: go with Mississippi's minimum Property Damage Liability limits as required by law or choose higher limits. Coverage "limits" are maximum amounts of money that your car insurance will pay out if you make a claim. Property Damage limits vary by state and insurance company. Liability limits can range between $5,000 and $100,000. Selecting the lowest limits may help you get cheap car 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? Call 1-877-GO-DIRECT (1-877-463-4732), get an online quote, or come to your nearby Direct Auto & Life Insurance in Laurel. 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! After that, 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 Laurel is hassle-free with Direct Auto & Life!