In Woodway, 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. 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 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 does not cover damage to your own vehicle that might be caused by the same accident. 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 Comprehensive, Collision, Medical Payments, and Under/Uninsured Motorist.
When it comes to Property Damage Liability in Woodway, how much liability insurance should you have? It depends. You can choose to go with the minimum Property Damage Liability limit required by law in Texas, 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 vary by state and insurance company. Liability limits can range between $5,000 and $100,000. Going with 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 the property damage you cause in an accident is more than your coverage limit, you may have to pay the difference.
Get the peace of mind you want and the coverage you need. Call 1-877-GO-DIRECT (1-877-463-4732), get an online quote, or come to your nearby Direct Auto Insurance in Woodway. Property Damage Liability coverage is only a call, click, or visit away! Our friendly agents will work with you to find the policy that matches your needs, plus every discount you're eligible for. We promise! From there, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Property Damage Coverage in Woodway is simple with Direct Auto!