Do you drive in Orangeburg? Property Damage Liability and Bodily Injury Liability are coverages you need to know about. By law, most states 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 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 Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
How much liability insurance should you get when it comes to Property Damage Liability in Orangeburg? It depends on the driver and the state. 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. Property Damage limits operate on a per accident basis. This is different than Bodily Injury Liability which operates on a per person/per accident basis. Property Damage limits can range from $5,000 to $100,000 depending on the state and company. Selecting low limits could help you find cheap 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 the property damage you cause in an accident is more than your coverage limit, you could be required to make up the difference out of your own pocket.
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 Orangeburg. 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 how and when you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Property Damage Coverage in Orangeburg is easy with Direct Auto & Life!