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.

Apr 30, 2021
Answer provided by
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Emily Maracle
Answered at Apr 30, 2021
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. “
Liability CoverageCar Insurance
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