Property Damage Liability – How To Find Cheap Property Damage Car Insurance: If you think about it, property damage is the best-case scenario in a car crash.

Nobody died. 

Nobody got hurt.

The other driver’s car just got a little banged up. 

No big deal, right?

Well… that depends. 

Property damage can be more expensive than you think. Repairs are getting more expensive, too, because of all the sensors and technology included in new cars. 

When someone’s vehicle gets damaged in a car wreck, and it’s your fault, will your property damage liability insurance cover it?

Here’s what you need to know.

What is Property Damage Liability?
Property damage liability is the often-overlooked part of your car insurance that pays for damage to other people’s property from an accident you’re responsible for.

Most often, it’s paying to repair other person’s vehicle, but it could also pay for damage to a garage door, a mailbox, a bicycle, a fence… or all of the above, if you really go on a rampage.

If you damage someone else’s property in a car accident, here’s what happens.

The property owner will file a claim with your insurance company for the amount of the damage, then get a check directly from the company.

If the claim is for more than your insurance covers, you may be responsible for paying the rest.

Does Property Damage Liability Cover Damage to my Own Car?
Nope. If your car gets messed up in an accident you cause, your collision coverage will pay for the repairs.

If your car is damaged by some other circumstances, such as a hurricane, flood, hailstorm or collision with a deer, comprehensive coverage should pay.

For an accident that’s someone else’s fault, you would file a claim with that person’s insurer.

What’s Uninsured Motorist Property Damage Coverage?
You’re getting ready to go into work one morning when you discover deep gouges and scratches all down the driver’s side of your car.

Some jerk side-swiped your Honda last night while it was parked and kept on going.

Now, what are you supposed to do?

Property damage caused by a hit-and-run driver (or one without insurance) can be covered by UMPD: uninsured motorist property damage.

Some states require UMPD; some states make it optional, and others don’t offer it at all. It also overlaps with collision coverage, so you may not need both.

How Can I Find Cheap Property Damage Car Insurance?
Property damage liability isn’t really sold on its own; it comes as a package with bodily injury liability (the part of your auto insurance that pays for other people’s medical bills).

The best way to find the cheapest insurance package is, of course, to compare free, personalized quotes online via legit insurance site.

Facebook Comments Box