Do you drive in Summerville? Property Damage Liability and Bodily Injury Liability are coverages you need to know about. 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. 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.
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. Give us a call if you're not sure how you'd pay for your own after-accident costs. We'll walk you through the ins-and-outs of other important coverages like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
When it comes to Property Damage Liability in Summerville, 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. 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. Going with 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 ends up totaling more than your coverage limit, you may have to pay 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 a quote online, or stop by your nearest Direct Auto & Life Insurance in Summerville. Property Damage Liability coverage is only a call, click, or visit away! Our experienced agents will help you find the best policy for you and your budget, including all of 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 the time and way you pay. Whether it's by cash, credit card, or check, paying for Property Damage Coverage in Summerville is hassle-free with Direct Auto & Life!