In Conyers, Property Damage Liability and Bodily Injury are two important insurance coverages to understand. Most states have insurance laws that 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). Property Damage Liability, on the other hand, helps pay for damage to another person’s property that occurs in an accident you cause. The "property" that's damaged is typically the other person'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 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 explain the details of other coverages that can help like Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
When it comes to Property Damage Liability in Conyers, 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 Georgia, or you can go with higher limits. Property Damage coverage operates on a per accident basis, unlike Bodily Injury Liability which operates on a per person/per accident basis. Property Damage limits can range from $5,000 to $100,000 depending on the state and company. Going with the minimum limits may help you find the cheapest 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 may have to pay 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 Insurance in Conyers. Property Damage Liability is only a click, call, or short drive away! Our friendly agents will work with you to find the policy that matches your needs, plus every discount you're eligible for. That's a promise! After that, you have the freedom to make your car insurance even more affordable by customizing your payment schedule and choosing how you want to pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Property Damage Coverage in Conyers is simple with Direct Auto!