What is covered under property damage in an accident?

What is covered by property damage if I get into an accident? I have a $50,000 limit for property damage.

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 $50,000 you have in property damage liability represents the maximum amount of damages your policy will cover in an accident. This coverage kicks in when you’re at fault in an accident and cause damage to someone else’s vehicle or property.
Anything above your $50,000 policy limit would have to be paid out of pocket.
Property damage liability also doesn’t cover any damage to your vehicle or property when you’re at fault. If another driver was at fault and damaged your vehicle, their property damage liability would cover your damage up to their policy limit.
To avoid having to pay out of pocket for any damage you may be responsible for, it’s always recommended to carry the highest amount of coverage you can afford.
If you want insurance to cover damage to your vehicle in a case where you cause damage, consider adding full coverage to your policy. Full coverage consists of:

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