In West Memphis, Property Damage Liability and Bodily Injury are important insurance coverages to know. Most states have insurance laws that require drivers to maintain a minimum amount of BI and PDL. Bodily Injury helps pay for other drivers and passengers accident-related medical expenses when you're at fault for the accident. It doesn't pay for any of your medical expenses. If you cause an accident and damage another person's property, Property Damage Liability will help pay for the damage. This typically involves damage to another 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 does not cover damage to your own vehicle that might be caused by the same accident. If you're worried about having a financial cushion to help cover your own after-accident costs, give us a call. We'll walk you through the ins-and-outs of other important coverages like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
When it comes to Property Damage Liability in West Memphis, how much liability insurance should you have? It depends on the driver and the state. You can choose to go with the minimum Property Damage Liability limit required by law in Arkansas, or you can go with higher limits. Coverage "limits" are maximum amounts of money that your car insurance will pay out if you make a claim. Property Damage limits can range from $5,000 to $100,000 depending on the state and company. Going with the lowest limits may help you get cheap car 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 ends up totaling more than your coverage 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. Get a quote online, call 1-877-GO-DIRECT (1-877-463-4732), or visit your local Direct Auto Insurance in West Memphis. Property Damage Liability is only a click, call, or short drive away! We help you determine the best policy for your needs and find ALL the discounts you're entitled to. That's a promise! Next, you can make your car insurance feel even more affordable (and manageable) by customizing the time and way you pay. Whether you pay by credit card, check, or cash, paying for Property Damage Coverage in West Memphis is hassle-free with Direct Auto!