Do you drive in Clarksdale? Property Damage Liability and Bodily Injury Liability are coverages you need to know about. 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. 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 it could also include damage to a home, mailbox, fence, street sign, or guardrail.
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'll explain the details of other coverages that can help like Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
What's the best amount of liability insurance to have in terms of Property Damage Liability in Clarksdale? It depends on the driver and the state. You could get Mississippi's minimum Property Damage Liability limits as required by law, but you could also 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. Choosing low limits could help you find cheap auto 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 might be responsible for paying the difference.
Ready to get the protection you want at a price you can afford? Call 1-877-GO-DIRECT (1-877-463-4732), get a quote online, or stop by your nearest Direct Auto Insurance in Clarksdale. 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. We promise! Next, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, paying for Property Damage Coverage in Clarksdale is hassle-free with Direct Auto!