Do you drive in Memphis? 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. When you're at-fault for a car accident, your Bodily Injury helps pay for the other drivers and passengers medical expenses. It doesn't help pay for yours. Property Damage Liability comes in handy when you cause an accident that damages someone else's property. It will help pay for this 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.
You'll need your Property Damage Liability coverage if you're responsible for causing damage 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 worried about having a financial cushion to help cover your own after-accident costs, give us a call. We'll walk you through the ins-and-outs of other important coverages 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 Memphis? It depends on the driver and the state. You can choose to go with the minimum Property Damage Liability limit required by law in Tennessee, 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. Going with 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 might be responsible for paying the difference.
It's time to get the protection you need at a price you love! Call 1-877-GO-DIRECT (1-877-463-4732), get an online quote, or come to your nearby Direct Auto Insurance in Memphis. 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! From there, 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, staying on top of policy payments and your Property Damage Coverage in Memphis is simple with Direct Auto!