In Alice, Property Damage Liability and Bodily Injury are important insurance coverages to know. When you're found to be at fault in a car accident, Bodily Injury helps pay for other drivers and passengers accident-related medical expenses (not 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. This type of damage typically involves the other driver'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. 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.
How much liability insurance should you get when it comes to Property Damage Liability in Alice? It depends on the driver and the state. You can choose to go with the minimum Property Damage Liability limit required by law in Texas, or you can 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 have to shell out more of your own money to pay for 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. Call 1-877-GO-DIRECT (1-877-463-4732), get an online quote, or come to your nearby Direct Auto & Life Insurance in Alice. 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. We promise! After that, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Property Damage Coverage in Alice is simple with Direct Auto & Life!