Get Property Damage Liability Coverage

Property Damage Liability Insurance ensures you are covered for damages you cause to other people’s property in an accident. To prevent any unexpected financial burdens, get a free quote today to review your coverage options.

What Does Property Damage Liability Insurance Cover?

Property damage liability is a type of insurance coverage that is part of the minimum car insurance required by most states. Just as bodily injury liability insurance covers the injuries to other people in an accident you cause, property damage liability covers the damages you cause to other people's property.

The property damage liability coverage in your car insurance policy will pay for the damage you cause with your vehicle to someone else's property, such as their car or things on their property, as well as municipal items, such as telephone poles and traffic barriers, among other things. Most states require that you carry a minimum amount of property damage coverage on your car insurance policy so that you will not have to pay for the damage you cause out of your own pocket.

How Much Property Damage Liability Insurance Is Required?

Your car insurance policy reflects the amount of coverage you purchased to protect others on the road using a split limit such as 25/50/25. This means that if you cause an accident, your auto insurer will pay the people injured in the accident $25,000 per person with a maximum of $50,000 for the accident in total and will pay $25,000 for the damage you cause to another person's property. Each state has different coverage requirements, so you must determine what coverage level your state requires before purchasing auto insurance.

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A-MAX Military

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A-MAX Cypress

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A-MAX Blackhawk

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A-MAX Closner Blvd

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A-MAX Lake June

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A-MAX Garland

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How Much Property Damage Liability Coverage Do I Need?

You need to purchase at least the minimum required property damage liability set by your state, but that does not mean that the required coverage is enough. If the property damage limit on your policy isn't enough to pay for the damages you have caused in an accident, you may have to pay for the uncovered portion out of your pocket. You can avoid this by purchasing a property damage limit higher than your state requires. For example, if you get into an accident and total another person's car that is worth $50,000, but you only have $25,000 worth of property damage coverage, you may be responsible for paying the additional $25,000 on your own. If you had purchased $50,000 of property damage coverage or more, you would not have to pay anything alone. Many car accidents involve multiple vehicles, so it's best to buy as much property damage liability insurance as you can afford to ensure that you aren't put into a financially devastating position after an accident you cause.

Is There a Deductible For Property Damage Liability Claims?

If you have a car accident and cause damage to someone else's property, you do not have to pay a deductible before your insurer pays for the damaged property. Your car insurance policy will pay the other person for the damages to their property up to the limit that is set on your property damage liability coverage insurance.

What is the Difference Between Property Damage Liability and Collision Coverage?

Property damage liability covers the damage you cause to another person's vehicle or property in a car accident. Collision coverage pays for the damage to your vehicle and carries a deductible that you must satisfy before your insurance company will pay for the rest of the damages. When you purchase a full-coverage car insurance policy, you will select the coverage limits that you want, including the deductible you are willing to pay for damage to your vehicle before your insurer responds to the claim. Collision insurance is more expensive than just bodily injury coverage, but the advantage of having collision insurance is that you can repair or replace your vehicle after an accident.

How Do I File a Property Damage Liability Insurance Claim?

If you are involved in an accident that is your fault and has damaged another person's property, you must notify your car insurance company. You can call your insurance company or insurance agent or file a claim online with your insurer to start the process. Once your insurance company has assigned a claim number and a claims adjuster to your case, they will contact the property owner to investigate how much damage you caused to their property in the accident. The adjuster will communicate with the property owner and notify you of the amount of the property damage claim and if your property damage limit is sufficient to cover the damages you caused.

Property Damage Liability Insurance FAQs

Q: Why do I have to carry property damage liability insurance?

A: You must carry property damage liability insurance so that your car insurance policy will cover the damages you cause to another person's property after an accident you caused.

Q: How much property damage coverage do I need?

A: You should purchase as much property damage coverage as you can afford so that you have enough coverage on your car insurance to pay for the damages you cause without having to pay anything additional out-of-pocket.

Q: Why should I have collision coverage if I have property damage liability coverage?

A: Property damage liability coverage only covers damage you cause to another person's car or other property. In order for your insurance policy to cover the damages to your vehicle, you must carry collision coverage as well.