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Liability Insurance For Property Damage: What Is It?

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Liability insurance for property damage is part of automobile insurance. Help pay for damage to someone else’s vehicle or property.
Liability insurance for property damage is required by law in most states. This generally helps to cover repair costs if you are in a car accident that damages another vehicle or property, e.g. B. a fence or the front of the building.
Liability insurance for property damage generally does not cover damage to your own vehicle. You may want to consider other coverages, such as B. Collision coverage to cover the cost of repairing your own vehicle.

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In each state, a driver must meet a certain minimum liability limit. States generally require liability insurance for property damage and liability insurance for personal injury. Mandatory coverage limits vary from state to state. In California, for example, drivers must have damage insurance of at least $4,000. In Texas, the minimum property damage coverage is $30,000.
A limit is a maximum amount your policy pays for a covered claim. You can choose your liability insurance limits when purchasing auto insurance or adjust them later with the help of your representative.


In general, you can purchase limits above the minimum set by your state. For example, if you choose a coverage limit of $10,000 and the damage it causes exceeds that limit, you may have to pay the difference out of your own pocket. If you have higher liability insurance, you can avoid having to pay out of pocket after a faulty accident.
The more you set your coverage limits, the higher your insurance premiums. If you are considering setting your limits, you should discuss your options with an insurance agent near you.

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