What is Property Damage Liability Coverage?

Original Equipment Manufacturer (OEM) coverage in Auto Insurance?


2. What should be taken into account when choosing a Property Damage Liability Coverage limit?

What is Property Damage Liability Coverage?

Property Damage Liability Coverage is a type of insurance that provides financial protection against damages caused by an insured individual to another individual’s property. It is one of the most fundamental coverages included in auto insurance policies.

What Does Property Damage Liability Coverage Cover?

Property Damage Liability coverage is designed to help cover costs associated with repairing the property of others if you are found legally responsible for damages in an accident. It covers the cost of physical damage to another person’s property, including:

    • Vehicles: Coverage applies to any damage you do to another person’s car during an accident.


    • Buildings: Coverage applies to damage you may cause to structures such as garages, fences and other buildings.


    • Other Property: Coverage applies to any other personal property that you may damage during an accident, such as lawns, driveways, mailboxes, and other items.


How Much Property Damage Liability Coverage Do I Need?

The amount of Property Damage Liability Coverage you need will depend on your individual needs. Most states only require a minimum amount of coverage, however, it is beneficial to have higher coverage limits to cover potentia

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