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Auto Insurance: Property Damage Liability

There are a lot of tough choices to make when it comes to shopping for the best auto insurance quotes. To make the process a little easier, we have provided short videos that explain the different aspects of car insurance including coverage options. Here you can learn about property damage liability by watching a visual explanation of this type of protection.

Property damage liability is a type of auto insurance coverage that covers expenses in the event that the insured driver’s vehicle damages someone else's property. Auto property damage liability generally covers the expenses of car repairs, but it could also cover repairs to a fence, a house or any other property damaged in an accident. Auto property damage liability generally also provides the insured driver with legal defense, should another party file a lawsuit dealing with damage resulting from an accident.

Coverage From Property Damage Liability

Drivers who purchase auto property damage liability should be sure to purchase enough coverage to cover the amount of damage his or her vehicle might do to another vehicle or object. The coverage provided by auto property damage liability this type of auto insurance will be limited to the terms and conditions contained in the policy. The coverage limits described in an auto property damage liability policy refer to the maximum amounts that will be paid per accident, so check your auto insurance quotes carefully before making a selection.


There are some important things to consider when selecting your auto property damage liability limits. If you select limits in your auto property damage liability policy that are too low, you could end up with unnecessary financial risks. In the event that you, or any driver covered by your policy, cause a serious accident, the cost of property damage might be higher than your limits. When the damages are greater than the limits of your policy, you will have to pay for the extra damages with your own money. In order to make those payments, you might need to sell your property or cash in your savings and other assets. If the costs are very high, you could even end up paying with money you haven’t even earned yet. If you purchase liability limits that are high enough to cover the worst situations, you will protect yourself against these serious risks.

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