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In Richland, 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. 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, on the other hand, helps pay for damage to another person’s property that occurs in an accident you cause. This type of damage typically involves the other driver'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. It will not help pay for your car's accident-related damages. 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 Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.

How much liability insurance should you get when it comes to Property Damage Liability in Richland? 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. Depending on the state and company, liability limits for Property Damage can range from $5,000 to $100,000. Selecting 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 the property damage you cause in an accident is more than your coverage limit, you might be responsible for paying the difference.

Get the peace of mind you want and the coverage you need. Call 1-877-GO-DIRECT (1-877-463-4732), get an online quote, or come to your nearby Direct Auto & Life Insurance in Richland. Property Damage Liability coverage is only a call, click, or visit 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! That's a promise! From there, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Property Damage Coverage in Richland is easy with Direct Auto & Life!

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The State of Mississippi is increasing the penalty for driving uninsured. If you get behind the wheel and do not have proof of insurance, you could face a fine up to $500 or a driver’s license suspension for up to one year. As of September 1, 2017, Mississippi began using a statewide electronic insurance verification program that uses VIN numbers to instantly find drivers who have not purchased valid insurance.