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. Bodily Injury helps pay for other drivers and passengers accident-related medical expenses when you're at fault for the accident. It doesn't pay for any of your medical expenses. If you cause an accident and damage another person's property, Property Damage Liability will help pay for the damage. This typically involves damage to another person’s car, but might also include things like damage to a guardrail, fence, mailbox, or home.
Property Damage Liability coverage comes into play when you are responsible for damages to another person’s property. It will not help pay for your car's accident-related damages. If you're worried about having a financial cushion to help cover your own after-accident costs, give us a call. We can connect you with important coverage that can help like Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
When it comes to Property Damage Liability in Orangeburg, how much liability insurance should you have? The answer depends on a few factors. You have two options: go with South Carolina's minimum Property Damage Liability limits as required by law or choose higher limits. Property Damage coverage is on a per accident basis, while Bodily Injury operates on a per person/per accident basis. Property Damage limits vary by state and insurance company. Liability limits can range between $5,000 and $100,000. Selecting the lowest limits may help you get cheap car insurance, but it also means that you could be responsible for paying for property damage you cause that your insurance doesn't cover. That's money out of your pocket. So, if you cause property damage that ends up totaling more than your coverage limit, you might be responsible for paying 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 Orangeburg. Property Damage Liability is just a click, call, or car ride 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! From there, 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 Orangeburg is simple with Direct Auto & Life!