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In Cleveland, Property Damage Liability and Bodily Injury are important insurance coverages to know. 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. The "property" that's damaged is typically the other person's car, but might also include things like damage to a guardrail, fence, mailbox, or home.

Property Damage Liability claims are made when you're responsible for damaging 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 Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.

How much liability insurance should you get when it comes to Property Damage Liability in Cleveland? 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. The liability insurance "limits" are the maximum amounts the policy will pay out for an accident. Property Damage limits can range from $5,000 to $100,000 depending on the state and company. 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.

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 Cleveland. Property Damage Liability is only a click, call, or short drive 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! Next, you have the freedom to make your car insurance even more affordable by customizing your payment schedule and choosing how you want to pay. Whether it's by cash, credit card, or check, paying for Property Damage Coverage in Cleveland is hassle-free with Direct Auto & Life!

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Uninsured drivers in Tennessee caught driving without the proper insurance could face a fine of $300. The police could legally have your vehicle towed on the spot if you are unable to produce proof of valid insurance. On January 1, 2017, the state of Tennessee put into place a new online system to verify drivers’ insurance. This digital program tracks down uninsured drivers through their vehicle registrations. If a vehicle is identified as having an uninsured owner, the owner will not be able to renew their vehicle's registration.