Property Damage Coverage

Insurance that protects you if your car damages someone else's vehicle or property.

What is Property Damage Coverage?

If you’re responsible for an accident, Property Damage Coverage will take care of the cost of 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.

White car runs into the back bumper of a grey car

Standard coverage that protects property when you’re at fault

What does property damage coverage cover?

  • Damage to another vehicle.
  • Damage to another person’s property.

What else should you know?

  • If the cost of damages exceeds the amount of your coverage, you are responsible for the remaining cost.
  • You can choose a higher limit for this coverage, meaning you’ll be covered for a higher amount if you’re in an accident.

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Other insurance coverages for others' medical expenses and property

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Bodily Injury Liability Coverage

Critical protection that always comes standard on your auto policy.

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Medical Payments Coverage

Coverage that pays for your initial medical expenses if you’re hurt in an accident, regardless of who is at fault.