In Hartselle, Property Damage Liability and Bodily Injury are two important insurance coverages to understand. Insurance laws in most states require that drivers maintain a minimum amount of BI and PDL. 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. 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 coverage comes into play when you are responsible for damages to another person’s property. It does not cover damage to your own vehicle that might be caused by the same accident. If you're losing sleep over how you'd pay for your own troubles after a covered accident, just give us a call! We can connect you with important coverage that can help like Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
When it comes to Property Damage Liability in Hartselle, how much liability insurance should you have? It depends. You could get Alabama's minimum Property Damage Liability limits as required by law, but you could also go with 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. Choosing the lowest limits may help you get cheap car insurance, but it also means that you could be responsible for paying for property damage you cause that your insurance doesn't cover. That's money out of your pocket. So, if you cause property damage that goes beyond your limit, you might be responsible for paying the difference.
Ready to get the protection you want at a price you can afford? Get a quote online, call 1-877-GO-DIRECT (1-877-463-4732), or visit your local Direct Auto Insurance in Hartselle. Property Damage Liability is only a click, call, or short drive 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! That's a promise! From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing your payment schedule and choosing how you want to pay. Whether you pay by credit card, check, or cash, paying for Property Damage Coverage in Hartselle is hassle-free with Direct Auto!