Property Damage Liability Coverage

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Do you drive in Nashville? 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, 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.

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 can connect you with important coverage that can help like Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.

How much liability insurance should you get when it comes to Property Damage Liability in Nashville? 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. Property Damage limits can range from $5,000 to $100,000 depending on the state and company. 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 may have to pay 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 Nashville. Property Damage Liability is just a click, call, or car ride 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! That's a promise! From there, 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 Nashville is simple with Direct Auto!

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