In Richmond, Property Damage Liability and Bodily Injury are important insurance coverages to know. Insurance laws in most states require that drivers 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 claims are made when you're responsible for damaging 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 Medical Payments, Comprehensive, Collision, and Under/Uninsured Motorist.
How much liability insurance should you get when it comes to Property Damage Liability in Richmond? It depends on the driver and the state. You have two options: go with Virginia's minimum Property Damage Liability limits as required by law or choose higher limits. Property Damage limits operate on a per accident basis. This is different than Bodily Injury Liability which operates on a per person/per accident basis. 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 you cause property damage that goes beyond your 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 Richmond. 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. It's our promise to you! After that, you can make your car insurance feel even more affordable (and manageable) by customizing your payment schedule and choosing how you want to 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 Richmond is simple with Direct Auto!