Does property damage liability cover damage to my car?

Will property damage liability protect my vehicle if I'm in an accident? What does it cover?

Answer provided by
Emily Maracle
Answered on Jul 08, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“The purpose of property damage liability is to protect other people’s vehicles and property from you. Coverage kicks in when you are at fault in an accident and cause damage.
It would not cover any damage done to your vehicle when you’re at fault.
If you’re looking for coverage to protect your vehicle from damage, you’ll want to look into full coverage. Full coverage consists of:
Both of these coverage would protect your vehicle from damage whether you’re at fault or not. You are required to pay a deductible when submitting a claim for either of these, but your vehicle will be protected in most situations.”

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