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Do you drive in Southaven? Property Damage Liability and Bodily Injury Liability are coverages you need to know about. 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). 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.

Property Damage Liability coverage comes into play when you are responsible for damages 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'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 Southaven? It depends on the driver and the state. You could get Mississippi's minimum Property Damage Liability limits as required by law, but you could also go with higher limits. Coverage "limits" are maximum amounts of money that your car insurance will pay out if you make a claim. Property Damage limits can range from $5,000 to $100,000 depending on the state and company. Choosing 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 you cause property damage that goes beyond your 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 a quote online, or stop by your nearest Direct Auto & Life Insurance in Southaven. 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! We promise! Next, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, making policy payments and maintaining Property Damage Coverage in Southaven is easy with Direct Auto & Life!

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In Mississippi, the State is cracking down on driving uninsured. If you get behind the wheel and do not have proof of insurance, you could run into a fine of up to $500 or a driver's license suspension for up to 12 months. Effective September 1, 2017, Mississippi began utilizing their state-of-the-art electronic insurance verification system that uses a car's VIN number to find out whether the driver has purchased valid auto insurance or not.