Do you drive in Laredo? 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. 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). If you cause an accident and damage another person's property, Property Damage Liability will help pay for the 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.
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. 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 Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
When it comes to Property Damage Liability in Laredo, how much liability insurance should you have? The answer depends on a few factors. You have two options: go with Texas'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 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 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 Laredo. 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! After that, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, making policy payments and maintaining Property Damage Coverage in Laredo is easy with Direct Auto & Life!