What does property damage liability cover on an auto insurance policy?

I currently have $50,000 in property damage liability coverage. Should I raise my coverage limits? What would happen if damage is above $50,000?

Property damage liability covers damage to another person’s vehicle or property if you are in an at-fault accident.
$50,000 in coverage means that your insurance would cover up to $50,000 in damages in an accident. For example, if you rear-end someone and cause more than $50,000 in damages to their vehicle, or total a car that’s worth more than $50,000, you are responsible for the remaining damage.
If you’re concerned that your limit is too low and you can afford to do it, you can certainly increase your limit. Most experts recommend that you carry enough coverage to protect your assets. If your budget allows for the increase in coverage, you won’t be harming yourself by buying additional coverage. “
Emily Maracle
Answered on Apr 30, 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.

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