In Shelbyville, Property Damage Liability and Bodily Injury are two important insurance coverages to understand. By law, most states 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 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 might also include things like damage to a fence, home, mailbox, or guardrail.
Property Damage Liability coverage comes into play when you are responsible for damages to another person’s property. It will not help pay for your car's accident-related damages. 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 walk you through the ins-and-outs of other important coverages like Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
What's the best amount of liability insurance to have in terms of Property Damage Liability in Shelbyville? It depends. 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. Choosing the minimum limits may help you find the cheapest 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 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 Shelbyville. Property Damage Liability coverage is only a call, click, or visit away! We help you determine the best policy for your needs and find ALL 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 the time and way you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Property Damage Coverage in Shelbyville is simple with Direct Auto!