Do you drive in Chattanooga? 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, on the other hand, helps pay for damage to another person’s property that occurs in an accident you cause. This typically involves damage to another person’s car, but might also include things like damage to a guardrail, fence, mailbox, or home.
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 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.
How much liability insurance should you get when it comes to Property Damage Liability in Chattanooga? It depends on the driver and the state. You have two options: go with Tennessee'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. Going with the minimum limits may help you find the cheapest auto insurance, but it also means that you could have to shell out more of your own money to pay for 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 Chattanooga. Property Damage Liability is just a click, call, or car ride away! We help you determine the best policy for your needs and find ALL the discounts you're entitled to. It's our promise to you! From there, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Property Damage Coverage in Chattanooga is easy with Direct Auto & Life!