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Property Damage Coverage

What is property damage liability coverage?

When you are found legally responsible for a car accident, property damage liability coverage is the part of your insurance policy that pays for the costs associated with repairing or replacing another person's property. This typically means damage to someone else's car, but it could apply to any other type of property you damage in an accident.

How is Property Damage Liability Structured?
Your property damage liability limit is a dollar amount that represents the maximum amount of property damage your insurance policy will cover. If you have a $50,000 coverage limit, your policy will only cover up to this amount and you would be responsible for covering what remains.

The Benefits of Additional Property Damage Liability Coverage:
A minimum amount of property damage liability coverage may not be enough to cover the total amount of damages you may be responsible for paying. Purchasing a higher limit of property injury liability insurance will further protect your assets and future earnings against the risk of a large financial loss.

Liberty Mutual can show you the level of property damage liability coverage that’s just right for your unique situation when you start a free quote.