In Macon, 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. 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 might also include things like damage to a guardrail, fence, mailbox, or home.
You'll need your Property Damage Liability coverage if you're responsible for causing damage to another person's property. It will not help pay for your car's accident-related damages. If you're worried about having a financial cushion to help cover your own after-accident costs, give us a call. We can connect you with important coverage that can help like Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
How much liability insurance should you get when it comes to Property Damage Liability in Macon? The answer depends on a few factors. You can choose to go with the minimum Property Damage Liability limit required by law in Georgia, 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 vary by state and insurance company. Liability limits can range between $5,000 and $100,000. Selecting 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 ends up totaling more than your coverage limit, you may have to pay the difference.
Get the peace of mind you want and the coverage you need. Call 1-877-GO-DIRECT (1-877-463-4732), get an online quote, or come to your nearby Direct Auto Insurance in Macon. Property Damage Liability coverage is only a call, click, or visit 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! Next, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. Whether it's by cash, credit card, or check, paying for Property Damage Coverage in Macon is hassle-free with Direct Auto!