Property Damage Liability Coverage
Property Damage Liability Auto Insurance
Property damage liability is insurance that covers you if you cause damages to another motorist's car and belongings during an accident. It also provides coverage if you damage the nearby, stationery property of others during the crash, such as personal items on a neighbor's lawn. Typically, this insures you against labor and parts costs due to damages or replacement costs if you're at fault. However, it does not cover damages to your own car. It's often offered with bodily injury liability insurance, and the two together are called "liability insurance.
Minimum coverage for property damage liability
Some states require motorists to carry a minimum amount of property damage liability insurance, along with bodily injury liability insurance. These requirements vary from state to state, so call your local Department of Motor Vehicles to find out what your state requires.
You can request a free, no obligation quote for property damage liability insurance here.
You should also consider buying more than the minimum required by your state, in order to make sure you have enough coverage. Replacement costs for valuables, along with labor costs are on the rise, and you may find yourself in a financial hardship trying to pay the difference between a minimum coverage and actual damages.
Auto insurance coverage beyond the minimum
What happens if you damage a luxury vehicle in an accident that you cause? If you don't have enough property damage liability insurance, you'll have to pay out of pocket for labor and parts to repair that luxury car. Add to that damages to personal property in the car at the time, and you can be facing a huge bill that you're unable to pay. The motorist then has many options, including forcing the sale of your assets (your house and personal property) to pay for the damages. This is a risky proposition that you can avoid by getting more than enough property damage liability coverage.