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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?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“
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.
“
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- Gregory R.
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