In Antioch, 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. 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.
You'll need your Property Damage Liability coverage if you're responsible for causing damage to another person's property. Your accident-related vehicle damages are not paid for under this coverage. 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 Antioch, how much liability insurance should you have? The answer depends on a few factors. You could get Tennessee's minimum Property Damage Liability limits as required by law, but you could also 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. Selecting low limits could help you find cheap 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 you cause property damage that goes beyond your 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 Antioch. 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! We 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. It doesn't matter whether you pay cash in-person or pay with a credit card, staying on top of policy payments and your Property Damage Coverage in Antioch is simple with Direct Auto!