In Columbia, Property Damage Liability and Bodily Injury are two important insurance coverages to understand. Insurance laws in most states require that drivers 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, on the other hand, helps pay for damage to another person’s property that occurs in an accident you cause. The "property" that's damaged is typically the other person'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 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 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 Columbia? The answer depends on a few factors. You can choose to go with the minimum Property Damage Liability limit required by law in South Carolina, or you can 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 vary by state and insurance company. Liability limits can range between $5,000 and $100,000. 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 could be required to make up the difference out of your own pocket.
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 Columbia. Property Damage Liability is only a click, call, or short drive away! Our friendly agents will work with you to find the policy that matches your needs, plus every discount you're eligible for. That's a promise! After that, you can make your car insurance feel even more affordable (and manageable) by customizing the time and way you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Property Damage Coverage in Columbia is simple with Direct Auto & Life!