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Do you drive in Laurel? Property Damage Liability and Bodily Injury Liability are coverages you need to know about. Bodily Injury helps pay for other drivers and passengers accident-related medical expenses when you're at fault for the accident. It doesn't pay for any of your medical expenses. Property Damage Liability comes in handy when you cause an accident that damages someone else's property. It will help pay for this damage. 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.

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 losing sleep over how you'd pay for your own troubles after a covered accident, just give us a call! We'll explain the details of other coverages that can help 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 Laurel? It depends. 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 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 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 Laurel. 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! We promise! 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, paying for Property Damage Coverage in Laurel is hassle-free with Direct Auto & Life!

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The State of Mississippi is going after uninsured drivers. If you get behind the wheel and do not have proof of insurance, you could have to pay a fine of up to $500 or face a driver’s license suspension for up to one year. As of September 1, 2017, the state started using an electronic insurance verification system that uses a car's VIN number to find out whether the driver has purchased valid auto insurance or not.