Why would someone have property damage liability and collision coverage in a no-fault state?

It seems redundant to have both coverages since they are covering the same things on your own vehicle.

Answer
Collision coverage and property damage liability coverage do cover similar situations. However, no-fault laws normally only apply to bodily injury and medical bills.
Should you get into an at-fault accident, your property damage liability would cover the damage done to the other driver’s vehicle. You can then use your own collision coverage to cover any damage done to your vehicle.
If you were to get into an at-fault accident and did not have collision coverage, you would be responsible for any repairs for your vehicle.
If you did not have property damage liability or exhausted your liability limit, you’d be responsible for paying for damages out of pocket. “
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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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