Does Property Damage Liability Cover My Car as Well?

Posted in Auto Insurance , Property Damage

July 2nd, 2009

Cruising around without car insurance is like trying to walk on a tightrope inheels – neither is really a smart decision to make. Most states require a level of property damage liability for policy holders to have on all the vehicles they own and operate. Property damage liability auto insurance is a degree of coverage that kicks in to pay the expenses to repair or replace property caused by damage inflicted by the at-fault driver involved in an accident.

Property Damage Protection

Although, the insurance is required by law, there are many drivers trying to skimp by driving without the minimum levels of insurance required by law. If you end up in an accident with one of these negligent drivers who are found at fault, and they do not have the proper level of insurance protection, your insurance may have to kick in to cover the losses you experience.

The additional coverage for your expenses would not come from your property damage liability coverage, but should be covered by your collision insurance.Collision insurance pays for damage to your car resulting from an car accident regardless of who was at fault for causing the accident.Collision (aka comprehensive) auto insurance covers your personal property.

What Does Property Damage Liability Cover?

Property damage liability covers the damaged property of the the other person or victim of a car accident.Property damage liability only covers your direct actions if you were found at fault for an accident. Generally, property damage liability will pay for the cost of repairing the other person’s vehicle, but may also be used to fix or replace types of property like fences, mailboxes, bicycles and even damage to their home. Additionally, property damage liability will provide you with legal defense if another party files a lawsuit against you as the insurance company wants to limit the cost of out of pocket expenses they need to pay.

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