Property damage liability coverage is part of an auto insurance policy. It helps pay for the cost to fix your mistake if you’re at fault in an accident, which can range from fixing someone’s vehicle or property like their building front and fence that they might have damaged because it was on the side where you were driving by when something went wrong with your brakes so now they’ll be able to afford repairs again thanks to this type of insurance!

Property damage liability coverage normally doesn’t cover damage to your vehicle. However, collision insurance can help you recover the cost of repairs if an accident occurs on the road or off it.

How Much Property Damage Liability Are You Required To Have?

Every state needs a driver to carry liability coverage. States have different amounts of what drivers should carry in this category, but it’s always either property damage or bodily injury required at minimum levels. For example, California drivers only require $5,000 for property damage, and Nevada has the lowest requirement with just 10-thousand dollars in their limits for both types of this coverage combined.

A limit is the max amount your policy will pay for the least expensive type of claim. You can select different limits when you purchase car insurance or adjust them later with help from an agent to make sure that costs are reasonable and fair.

Consider Your Property Damage Liability Limits

e4To ensure your car, you should select the limit that best fits what is comfortable for you. While some people choose a low coverage amount in case, they have an accident and don’t want to pay more than necessary, others will opt for higher limits so that if something does happen, it won’t be as much of a financial burden. When selecting this type of insurance, the main thing is making sure whatever option selected not only works with your budget but also matches up well with how often or far away from home you drive on average each week. When considering where high enough might mean too high though there are ways such as reaching out to an agent or contacting their state’s department of motor vehicles (DMV) about any guidelines regarding liability cover


What is a property damage limit?

All of your property damaged in an accident will be covered up to $10,000 with a split limit. For example, if you chose the limit to be $10,000, then for this coverage, it would pay out damage due to accidents that are caused by you and only cover any damages from accidents not done by yourself or another driver.

How much property damage liability car insurance should I have?

California drivers should have at least $30,000 in bodily injury liability coverage and $5,000 for property damage. Uninsured motorist property damage is also required as a minimum of 3.500$.

What’s considered property damage?

Property damage includes anything from a chemical leak to breaking your car in an accident. Depending on the situation, you might get property insurance so that it doesn’t cost as much if something happens like this again.

What are examples of property damage?

A few examples include:

  • Your outdoor lights or windows are damaged.
  • Your garden has been dug up.
  • Your trees and bushes have been cut down.

Standard home insurance covers these damages but checks with the property owner to make sure.

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Imelda Bouchard is the owner of Gov Relations. She graduated with a degree in Business Administration in Finance​ at the University of Houston-Downtown. Imelda has over a decade of experience working in the finance industry. Following her stint at an international fintech company, she has decided to create a platform where businesses can make use of great business ideas.