In Morristown, 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. This typically involves damage to another 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. Give us a call if you're not sure how you'd pay for your own after-accident costs. We can connect you with important coverage that can help like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
When it comes to Property Damage Liability in Morristown, 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 Tennessee, or you can 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 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 an online quote, or come to your nearby Direct Auto Insurance in Morristown. Property Damage Liability is just a click, call, or car ride 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 freedom to make your car insurance even more affordable by customizing how and when you pay. Whether you pay by credit card, check, or cash, paying for Property Damage Coverage in Morristown is hassle-free with Direct Auto!