In Vicksburg, Property Damage Liability and Bodily Injury are two important insurance coverages to understand. 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. The "property" that's damaged is typically the other person'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 does not cover damage to your own vehicle that might be caused by the same accident. Give us a call if you're not sure how you'd pay for your own after-accident costs. We'll explain the details of other coverages that can help like Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
How much liability insurance should you get when it comes to Property Damage Liability in Vicksburg? The answer depends on a few factors. You can choose to go with the minimum Property Damage Liability limit required by law in Mississippi, or you can go with higher limits. Property Damage coverage is on a per accident basis, while Bodily Injury operates on a per person/per accident basis. Depending on the state and company, liability limits for Property Damage can range from $5,000 to $100,000. Selecting the minimum limits may help you find the cheapest 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 ends up totaling more than your coverage limit, you may have to pay 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 Vicksburg. 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. We 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, making policy payments and maintaining Property Damage Coverage in Vicksburg is easy with Direct Auto & Life!