In Dunn, Property Damage Liability and Bodily Injury are important insurance coverages to know. Most states have insurance laws that require drivers to maintain a minimum amount of BI and PDL. When you're at-fault for a car accident, your Bodily Injury helps pay for the other drivers and passengers medical expenses. It doesn't help pay for yours. Property Damage Liability comes in handy when you cause an accident that damages someone else's property. It will help pay for this damage. This type of damage typically involves the other driver's car, but it might also include things like damage to a fence, home, mailbox, or guardrail.
Property Damage Liability coverage comes into play when you are responsible for damages 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'll explain the details of other coverages that can help like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
When it comes to Property Damage Liability in Dunn, how much liability insurance should you have? It depends on the driver and the state. You can choose to go with the minimum Property Damage Liability limit required by law in North Carolina, or you can go with higher limits. "Limits" determine the greatest amount of money your car insurance company will pay in the event that you need to use your coverage. 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 have to shell out more of your own money to pay for 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.
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 Dunn. 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 can make your car insurance feel even more affordable (and manageable) by customizing your payment schedule and choosing how you want to pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Property Damage Coverage in Dunn is simple with Direct Auto & Life!