{"id":35837,"date":"2022-10-20T09:58:00","date_gmt":"2022-10-20T16:58:00","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=35837"},"modified":"2023-09-22T09:21:07","modified_gmt":"2023-09-22T16:21:07","slug":"property-damage","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/coverage\/property-damage\/","title":{"rendered":"Property Damage Liability Insurance"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_62154b625b3aa\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What is Property Damage Liability Insurance?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p><strong>This liability coverage <\/strong>is the portion of your required\u00a0<a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">car insurance<\/a>\u00a0policy that kicks in to pay for vehicle and other damages after a wreck. Most states require a <span style=\"white-space: nowrap;\">two-fold<\/span> <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/what-is-liability-auto-insurance\/\">liability insurance<\/a> policy that covers property and bodily injury liability automobile insurance and\/or death.<em> Property damage liability (PDL)<\/em> pays for a variety of items, including:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Another driver\u2019s vehicle<\/li>\n<li>Damage to houses, fences, lampposts, mailboxes, etc.<\/li>\n<li>Some legal fees and legal defense<\/li>\n<\/ul>\n<p>If you live in an\u00a0<strong style=\"color: #0047bb;\"><span style=\"white-space: nowrap;\">at-fault<\/span> state<\/strong>, your property damage liability will pay for the other person\u2019s property harm if you are at fault in an auto accident. If you live in a <strong style=\"color: #0047bb;\"><span style=\"white-space: nowrap;\">no-fault<\/span> state<\/strong>, it will pay for yours, regardless of who is at fault. Your insurer will pay up to your auto policy limits. If the problem is more extensive, you\u2019ll be paying for the rest of the costs out of pocket.<\/p>\n<p>Given today\u2019s costs for automobile repairs and bodywork, many people opt to increase their policy amounts to be on the safe side.<\/p>\n<p>At Freeway, we can help you decide how much you should have to be legal and truly protected.<\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_62154b9a5b3ab\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">How Much Does It Cost?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>It depends on how much you buy and where you live, but driver\u2019s with a clean driving record average anywhere from $90 to $145 per year. The other part, <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/what-is-bodily-injury-liability-coverage\/\">bodily injury<\/a>, averages $600 annually and pays medical bills. The exact amount you will pay will depend on several factors. Your auto insurance company\u2019s agent will most likely look at your driving history, where you live (down to the zip code), your age and some other factors in order to determine your rate. It\u2019s always a good idea to do some\u00a0comparison shopping\u00a0to be sure you are getting the best price.<\/p>\n<p>Since liability is required in all but New Hampshire, you\u2019ll have to pay for at least the <a href=\"https:\/\/www.freeway.com\/auto-insurance\/states\/\">minimum state requirements<\/a>. Keep in mind that this minimum may not be enough to pay for everything incurred in a crash, so you might want to consider making changes and upgrading for a little more protection.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"c-quick-quote js-quick-quote\" id=\"quick-quote-block_6362fa92f6281\">\n    <div class=\"o-wrapper o-wrapper--flush\">\n        <div class=\"c-quick-quote__content\">\n            <h2 class=\"c-quick-quote__title\">Ready to Get a Quick Quote?<\/h2>\n            <div class=\"c-quick-quote__form\">\n                <form class=\"form c-quote ajax-quote-form-new\" method=\"GET\" action=\"https:\/\/www.freeway.com\/\/submit-quote\/\">\n                    <div class=\"c-quote__item\">\n                                                <label class=\"c-quote__label\" for=\"typeInsuranceQuickQuote\">Type of Insurance Product or Service<\/label>\n                        <select class=\"c-quote__select\" name=\"type_insurance\" id=\"typeInsuranceQuickQuote\">\n                                                                                            <option value=\"A\"      >Auto Insurance<\/option>\n                                                                                            <option value=\"AC\"      >Classic Car Insurance<\/option>\n                                                                                            <option value=\"L\"      >Life Insurance<\/option>\n                                                                                            <option value=\"HE\"     data-custom-zipcode-check=\"true\" data-custom-slug=\"HE\"   >Health Insurance<\/option>\n                                                                                            <option value=\"DN\"      >Dental Insurance<\/option>\n                                                                                            <option value=\"TM\"      >Telemedicine<\/option>\n                                                                                            <option value=\"PET\"      >Pet Insurance<\/option>\n                                                                                            <option value=\"H\"      >Homeowners Insurance<\/option>\n                                                                                            <option value=\"B\"      >Business Insurance<\/option>\n                                                                                            <option value=\"R\"      >Renters Insurance<\/option>\n                                                                                            <option value=\"M\"      >Motorcycle Insurance<\/option>\n                                                                                            <option value=\"CV\"      >Commercial Vehicle<\/option>\n                                                                                            <option value=\"LL\"      >Landlord Insurance<\/option>\n                                                                                            <option value=\"AD\"      >Travel Club &#8211; AD&#038;D<\/option>\n                                                                                            <option value=\"MH\"      >Motorhome Insurance<\/option>\n                                                                                            <option value=\"MRH\"      >Mobile Home Insurance<\/option>\n                                                                                            <option value=\"RA\"      >Roadside Assistance<\/option>\n                                                                                            <option value=\"WR\"      >Windshield Repair Plan<\/option>\n                                                                                            <option value=\"HI\"      >Hospital Indemnity<\/option>\n                                                                                            <option value=\"IT\"      >Identity Theft Protection<\/option>\n                                                                                            <option value=\"RSH\"      >Rideshare Insurance<\/option>\n                                                                                            <option value=\"AMX\"      >Mexican Car Insurance<\/option>\n                                                                                            <option value=\"SM\"      >Snowmobile Insurance<\/option>\n                                                                                            <option value=\"BT\"      >Boat Insurance<\/option>\n                                                    <\/select>\n                    <\/div>\n                    <div class=\"c-quote__item\">\n                        <label class=\"c-quote__label\" for=\"zipcodeQuickQuote\">Zip Code<\/label>\n                        <input class=\"c-quote__input only-numbers zipcodeQuickQuote\" id=\"zipcodeQuickQuote\" type=\"text\" placeholder=\"Zip Code\" name=\"zipcode\" inputmode=\"numeric\" autocomplete=\"postal-code\" maxlength=\"5\" \/>\n                    <\/div>\n                    <div class=\"c-quote__controls\">\n                        <button class=\"c-quote__submit c-button c-button--orange c-button--text-big\" type=\"submit\"> Start Quote                            <img decoding=\"async\" class=\" c-quote__loading\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/components\/forms\/loading.svg\" alt=\"Loading\" width=\"28\" height=\"28\" \/>\n                        <\/button>\n                    <\/div>\n                <\/form>\n                <div class=\"c-quick-quote__links\">\n                    <a class=\"c-quick-quote__learn-products\" href=\"https:\/\/www.freeway.com\/insurance-options\/\">Learn more about our products and services<\/a>\n                    <div class=\"c-quick-quote__phone\">\n                        <div class=\"c-quick-quote__phone-text\">Help?<\/div>\n                        <a class=\"c-quick-quote__phone-number\" href=\"tel:800-777-5620\">Call 800-777-5620<\/a>\n                    <\/div>\n                <\/div>\n            <\/div>\n            <div class=\"c-quick-quote__reviews\">\n                <!-- TrustBox widget - Micro TrustScore-->\n                <div class=\"trustpilot-widget\"  data-locale=\"en-US\"  data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"598cc8eb0000ff0005a89763\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\">\n                    <a href=\"https:\/\/www.trustpilot.com\/review\/freewayinsurance.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n                <\/div><!-- End TrustBox widget-->\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_63529d0867dac\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Happens When You Hit Government Belongings?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>If you <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/damaged-city-property-with-car-it-will-cost-you\/\">hit property owned by the government<\/a>, you may have to pay up. Guardrails, traffic lights, fire hydrants, stop signs, mailboxes and more are typically owned by city, state and county. More and more government entities are cracking down on motorists. The good news is that your property damage liability should help you pay for repairs or replacement, if necessary.<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                                    <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_621555005b3ac\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What is the Difference Between Property Damage Liability and Collision Coverage?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>It mainly pays for harm you do to somebody else\u2019s belongings in an <span style=\"white-space:nowrap;\">at-fault<\/span> state and your own in a <span style=\"white-space:nowrap;\">no-fault<\/span> state. <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/collision\/\">Collision coverage<\/a> is a product completely geared to helping you recover financially if your car needs repairs after a wreck or some other incident, such as:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>You have been in a wreck that is not your fault but the other driver is uninsured, left the scene or doesn\u2019t have enough to completely cover your repairs. You can sue the other driver, but meanwhile, you need repairs.<\/li>\n<li>You are in a collision with a tree or some other inanimate object.<\/li>\n<li>You are involved in a <span style=\"white-space: nowrap;\">single-vehicle<\/span> crash, such as a rollover.<\/li>\n<\/ul>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"c-product-imagen-wp c-product-imagen-wp wp-image-33997 size-full\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2022\/03\/MicrosoftTeams-image2.jpg\" alt=\"Hands of couple with paper house\" width=\"760\" height=\"380\" \/><\/p>\n<p>Adding <span style=\"white-space: nowrap;\">collision \u2013 and<\/span> other <span style=\"white-space: nowrap;\">products &#8211; to<\/span> your auto policy is a way to ensure you won\u2019t be left paying out of pocket. At Freeway, our agents are experts at finding low-cost PDL and collision.<\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_621528c444410\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">What are the Required Minimum Levels for Property Damage Liability?<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>All states except New Hampshire require auto insurance before residents can legally drive. This required auto policy consists of bodily injury to cover medical expenses, property damage and, in some cases, additional required coverages. Here\u2019s a look at how much coverage each state requires its driving residents to carry.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>State<\/th>\n                                                                                            <th>State-Required Property Damage Liability Insurance<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Alabama<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Alaska<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Arizona<\/td>\n                                                                                            <td>$15,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Arkansas<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>California<\/td>\n                                                                                            <td>$5,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Colorado<\/td>\n                                                                                            <td>$15,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Connecticut<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Delaware<\/td>\n                                                                                            <td>$10,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Florida*<\/td>\n                                                                                            <td>$10,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Georgia<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Hawaii<\/td>\n                                                                                            <td>$10,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Idaho<\/td>\n                                                                                            <td>$15,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Illinois<\/td>\n                                                                                            <td>$20,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Indiana<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Iowa<\/td>\n                                                                                            <td>$15,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Kansas<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Kentucky<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Louisiana<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Maine<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Maryland<\/td>\n                                                                                            <td>$15,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Massachusetts<\/td>\n                                                                                            <td>$5,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Michigan<\/td>\n                                                                                            <td>$10,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Minnesota<\/td>\n                                                                                            <td>$85,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Mississippi<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Missouri<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Montana<\/td>\n                                                                                            <td>$20,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Nebraska<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Nevada<\/td>\n                                                                                            <td>$20,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>New Hampshire*<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>New Jersey*<\/td>\n                                                                                            <td>Basic: $5,000; Standard: $5,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>New Mexico<\/td>\n                                                                                            <td>$10,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>New York<\/td>\n                                                                                            <td>$10,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>North Carolina<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>North Dakota<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Ohio<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Oklahoma<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Oregon<\/td>\n                                                                                            <td>$20,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Pennsylvania<\/td>\n                                                                                            <td>$5,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Rhode Island<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>South Carolina<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>South Dakota<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Tennessee<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Texas<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Utah<\/td>\n                                                                                            <td>$15,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Vermont<\/td>\n                                                                                            <td>$10,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Virginia<\/td>\n                                                                                            <td>$20,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Washington<\/td>\n                                                                                            <td>$10,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>West Virginia<\/td>\n                                                                                            <td>$25,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Wisconsin<\/td>\n                                                                                            <td>$10,000<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Wyoming<\/td>\n                                                                                            <td>$20,000<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                            <div class=\"c-state-table__text\">\n                    \n\n                            <p><p><em>* New Hampshire: New Hampshire does not require it. However, if you are responsible for someone else\u2019s injuries and harm, you must show proof of financial responsibility. Choosing to buy the minimum liability available can protect your assets if you cause a car accident. If you buy it, these are the minimum amounts you will be required to purchase.<\/em><\/p>\n<p><em>* New Jersey: Drivers may choose to purchase the Basic Plan or the Standard Plan.<\/em><\/p>\n<\/p>\n\n                                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_63529e6483a8f\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">How Do I Know How Much I Have?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>You may see your minimum required liability limits as three numbers separated by slashes. The PDL is the third number. So, for example, Texas requires 30\/60\/25. This breaks down to:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>$30,000 bodily injury liability coverage (BIL) per person<\/li>\n<li>$60,000 BIL per accident<\/li>\n<li>$25,000 PDL<\/li>\n<\/ul>\n<p>What this means is that as long as you are current on your premium, if you cause an accident and people who were negatively affected make a viable claim, your policy will pay up to these amounts for BIL and PDL.<\/p>\n<p>You should know that your PDL won\u2019t pay anything for your <span style=\"white-space:nowrap;\">vehicle \u2013 ever<\/span>. If others cause a wreck that puts your ride in the repair shop, their policy will pay up to their policy limits. Many drivers, however, don\u2019t have any auto coverage. That\u2019s why <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/uninsured-motorist\/\">uninsured motorist coverage<\/a> (UM) is always a good idea. Ask your agent for information about UM.<\/p>\n<p>Plus, you can always change your policy to add more automobile insurance for greater protection.<\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_63529e8e83a90\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">How Much Coverage Should I Have?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>For most drivers, the state laws where they live will dictate at least the minimum limits they must have to be on the road legally. Carriers may limit the maximum amount. However, experts recommend that you purchase as much as you can <span style=\"white-space:nowrap;\">afford \u2013 up<\/span> to your net worth, if possible. This is because you can be sued and your assets seized if you cause enough harm and your PDL isn\u2019t enough to cover repairs or replacement costs.<\/p>\n<p>For example, if you total someone\u2019s brand new Ferrari and you only have the minimum amount of PDL, you better be able to come up with the <span style=\"white-space:nowrap;\">rest \u2013 otherwise<\/span> you could get sued for it. Check with your agent for information on getting higher coverage limits. You may find a maximum amount of $100,000 is allowed.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_63529ea683a91\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What is the Deductible on PDL Coverage?<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>There is no deductible on PDL. Therefore, your auto insurance company will pay a covered claim without you contributing. However, your rates will likely change and go up if other\u2019s make a viable claim against your PDL.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"c-contact-channels\">\n        <div class=\"o-wrapper \">\n        <div class=\"c-contact-channels__content\">\n            <h2 class=\"c-contact-channels__title\">Finding Affordable Car Insurance Online Today<\/h2>\n                            <div class=\"c-contact-channels__text\"><p>Auto coverage is more than just a legal requirement; it\u2019s also an inexpensive way to protect yourself from the tremendous risks of daily driving. Freeway can help you navigate the maze with an\u00a0<a href=\"#modal-turbo\"><strong>online insurance<\/strong><\/a>\u00a0quote or by calling us at\u00a0<a href=\"tel:800-777-5620\"><strong><span style=\"white-space:nowrap;\">800-777-5620<\/span><\/strong><\/a>. You can also visit us at an\u00a0<a href=\"https:\/\/locations.freeway.com\/\" target=\"_blank\" rel=\"noopener\"><strong>office near you<\/strong><\/a>.<\/p>\n<\/div>\n                        <div class=\"c-contact-channels__channel\">\n                                    <div class=\"c-contact-channels__channel_item\">\n                        <a class=\"c-contact-channels__channel_icon c-contact-channels__channel_icon--online\" target=\"_self\" href=\"#modal-turbo\" aria-label=\"Get a quote online\">\n                            <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-quote\"><\/use><\/svg><\/span>\n                        <\/a>\n                        <span class=\"c-contact-channels__channel_text\">Online<\/span>\n                    <\/div>\n                                    <div class=\"c-contact-channels__channel_item\">\n                        <a class=\"c-contact-channels__channel_icon c-contact-channels__channel_icon--phone\" target=\"_self\" href=\"tel:800-777-5620\" aria-label=\"Get a quote over the phone\">\n                            <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-phone\"><\/use><\/svg><\/span>\n                        <\/a>\n                        <span class=\"c-contact-channels__channel_text\">Over the phone<\/span>\n                    <\/div>\n                                    <div class=\"c-contact-channels__channel_item\">\n                        <a class=\"c-contact-channels__channel_icon c-contact-channels__channel_icon--ubication\" target=\"_self\" href=\"https:\/\/locations.freeway.com\" aria-label=\"Get a quote in our offices\" rel=\"noopener\">\n                            <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-location\"><\/use><\/svg><\/span>\n                        <\/a>\n                        <span class=\"c-contact-channels__channel_text\">Visit us<\/span>\n                    <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":25510,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/35837"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=35837"}],"version-history":[{"count":39,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/35837\/revisions"}],"predecessor-version":[{"id":46519,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/35837\/revisions\/46519"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/25510"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=35837"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}