In North Miami, Property Damage Liability and Bodily Injury are important insurance coverages to know. Insurance laws in most states require that drivers 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. Property Damage Liability, on the other hand, helps pay for damage to another person’s property that occurs in an accident you cause. This type of damage typically involves the other driver's car, but it could also include damage to a home, mailbox, fence, street sign, or guardrail.
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 explain the details of other coverages that can help like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
What's the best amount of liability insurance to have in terms of Property Damage Liability in North Miami? It depends. You can choose to go with the minimum Property Damage Liability limit required by law in Florida, or you can go with higher limits. The liability insurance "limits" are the maximum amounts the policy will pay out for an accident. Depending on the state and company, liability limits for Property Damage can range from $5,000 to $100,000. 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 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 Insurance in North Miami. 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! After that, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Property Damage Coverage in North Miami is easy with Direct Auto!