Property Damage Coverage
What is Property Damage Liability?
Property Damage covers you if your car damages someone else's property. Usually this means damage to someone else's car, but it could be any property. If you were to accidentally hit someone's fence, or run into a light post, this coverage would pay to replace it or repair the damage for which you are legally responsible.
What does Property Damage Liability cover?
If you have a property damage limit of $50,000 that means that if you cause damage to someone else's car (or other property) in an accident, Liberty Mutual would provide up to $50,000 to repair or replace it. If the damage were to exceed your limits, you would be responsible for those costs.
How much coverage do I need?
When choosing your Property Damage liability limits, you should consider all of your assets, including your home and future earnings. Why? Because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit.