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Car Insurance FAQ Property Damage Coverage

Property damage coverage is included in minimum liability policies that most states require. It covers damages you may cause those with whom you are involved in a motor vehicle accident that are not bodily injuries, but injuries to that which they own, considered property. This kind of insurance does not cover your own property damages, though it does also extend to any who were not directly involved in the accident whose property was damaged as a result of the accident.

When determining the amount of property damage liability coverage you should carry, consider your own assets and what you could lose if not covered for that amount. Based on that and the cost of the premium, you can determine what is right for you beyond any coverage your state may mandate.


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