In Aiken, 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 found to be at fault in a car accident, Bodily Injury helps pay for other drivers and passengers accident-related medical expenses (not yours). Property Damage Liability, on the other hand, helps pay for damage to another person’s property that occurs in an accident you cause. This typically involves damage to another person’s car, but it might also include things like damage to a fence, home, mailbox, or guardrail.
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 Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
What's the best amount of liability insurance to have in terms of Property Damage Liability in Aiken? It depends. You have two options: go with South Carolina'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 can range from $5,000 to $100,000 depending on the state and company. Selecting the minimum limits may help you find the cheapest 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.
It's time to get the protection you need at a price you love! Call 1-877-GO-DIRECT (1-877-463-4732), get an online quote, or come to your nearby Direct Auto & Life Insurance in Aiken. Property Damage Liability is just a click, call, or car ride 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 can make your car insurance feel even more affordable (and manageable) by customizing the time and way you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Property Damage Coverage in Aiken is easy with Direct Auto & Life!