What’s covered under PD insurance?

PD insurance, or property damage insurance, is meant to help you pay for repair damage that you cause to the property or vehicle of another person.

Most states require that you carry property damage liability coverage with your insurance, as it helps to pay for the cost of repairs to vehicles or property that happen if you are at fault in an accident.

Discussing your PD insurance case with your local Athens car accident lawyer is the best way to determine your options. Reach out to us now for a risk-free, cost-free case evaluation, so call (706) 995-7547 to book your free case evaluation now, and read on to learn more.

Types of Damage

• Vehicle damage – In a motor vehicle accident, damage to the vehicles involved is very common. If you hit another car in an accident that you caused, your property damage liability coverage will help to cover costs so you don’t have to cover them out-of-pocket.
• Property damage – If your vehicle accident involves property damage, like a broken fence or damage to a home or other structure, your PD insurance should also assist in covering costs.

PD Claims Are Helpful if You Are or Are Not at Fault

One of the key benefits of PD insurance is the fact that it covers you whether or not you were at fault in the accident.

Often, when a party is at fault for an accident, they will be liable for the related damages. Your PD coverage steps in and covers some or all of these costs so that you and your family aren’t left footing the bill.

It is important to recognize that your PD insurance will usually only cover damage to other vehicles, not your own. This is why collision coverage can be wise to purchase as it will cover the cost to repair your own vehicle.

How much will insurance cover? It depends.

The amount that your insurance will cover depends upon the details of your specific policy and the applicable rules and regulations in your state.

• Your policy limits – Your policy will cover a certain amount of damage to other vehicles through your PD coverage, and that’s all. It is important to carefully review your policy if you have been in an accident to ensure that the full amount of coverage you purchased is provided through the settlement process.
• The size of the claim – The size of the claim will also impact how much you might personally be liable for. If the size of the claim exceeds your PD coverage, you might be the party responsible for paying any costs that PD coverage doesn’t cover.

Georgia Drivers, Make Sure You Meet the Minimum Requirement

To ensure that you are not subject to additional liability, it is important that your insurance policy meets the minimum requirements in the state of Georgia. The liability insurance minimum requirements in Georgia law are:

• Property Damage Liability – At least $25,000 per incident
• Bodily Injury Liability – At least $25,000 per person and $50,000 per incident.

Making sure that your policy terms meet the minimums of the state is important to protect yourself from additional liability if you cause an accident.

Keep in mind that the other drivers involved in the accident with you are going to work to prove that you are at fault so that you are liable for the associated damages.

It is essential that you not admit to fault, or accept an offer of settlement, without speaking with a car accident attorney of your own. Your attorney will ensure that the facts of your accident are carefully reviewed to ensure that you do not accept liability, and the associated costs, for an accident that another driver actually caused.

Want to know more about PD insurance? Call us.

The costs associated with a car accident can quickly get out of hand, especially if you are being held responsible for the damages to the other vehicles involved in the crash.

Your attorney will collect evidence and assemble a case in support of your position so that you collect the full damages you are entitled to – without paying for anything that you are not obligated to.

If you have been in a car accident and believe PD might be involved, or even if not, our car accident attorneys have decades of combined experience representing car accident victims.

Connect with Athens Car Accident Lawyers now to get started on your case by calling (706) 995-7547, or visit our site to schedule a consultation now!