Do you drive in Rock Hill? 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. The "property" that's damaged is typically the other person's car, but it could also include damage to a home, mailbox, fence, street sign, or guardrail.
You'll need your Property Damage Liability coverage if you're responsible for causing damage 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 walk you through the ins-and-outs of other important coverages like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
What's the best amount of liability insurance to have in terms of Property Damage Liability in Rock Hill? It depends. You could get South Carolina's minimum Property Damage Liability limits as required by law, but you could also 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. Going with 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 might be responsible for paying the difference.
Get the peace of mind you want and the coverage you need. Get a quote online, call 1-877-GO-DIRECT (1-877-463-4732), or visit your local Direct Auto & Life Insurance in Rock Hill. 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! 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, paying for Property Damage Coverage in Rock Hill is hassle-free with Direct Auto & Life!