Property Damage Liability: What It Covers & Why It Matters

Property Damage Liability Insurance ensures you are covered for damages you cause to other people’s property in an accident. To prevent any unexpected financial burdens, get a free quote today to review your coverage options.

What Does Property Damage Liability Insurance Cover?

Property damage liability is a type of insurance coverage that is part of the minimum car insurance required by most states. Just as bodily injury liability insurance covers the injuries to other people in an accident you cause, property damage liability covers the damages you cause to other people's property.

The property damage liability coverage in your car insurance policy will pay for the damage you cause with your vehicle to someone else's property, such as their car or things on their property, as well as municipal items, such as telephone poles and traffic barriers, among other things. Most states require that you carry a minimum amount of property damage coverage on your car insurance policy so that you will not have to pay for the damage you cause out of your own pocket.

How Much Property Damage Liability Insurance Is Required?

Most states require that you carry a minimum amount of property damage coverage on your car insurance policy so that you will not have to pay for the damage you cause out of your own pocket.

If you are wondering how much property damage liability coverage is needed, have a look at the table below to get a state-by-state breakdown. Here are the amounts required in the 15 most renowned states of the US.

Name of the State	Property Damage Liability
Alabama	$25,000
California	$15,000
Florida	$10,000
Georgia	$25,000
Hawaii	$10,000
Indiana	$25,000
Kansas	$25,000
Maryland	$15,000
Nevada	$20,000
New York	$10,000
Ohio	$25,000
Oklahoma	$25,000
Pennsylvania	$5,000
Texas	$25,000
Washington	$10,000

Disclaimer: The given amounts are subject to change due to modifications in regulatory systems. This is why, to get recent updates on the property damage coverage limits, visit your state's official government website.

For instance, if you want to check the property damage liability amount in California, visit the website of the California Department of Motor Vehicles.

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What is the Difference Between Property Damage Liability and Full Coverage?

The difference between property damage liability and full coverage car insurance is based on the following factors.

Scope of Coverage: Property damage liability is limited to third-party property, whereas full coverage includes all liability, collision, and comprehensive insurance.
Fault Consideration: The liability coverage applies only when you are at fault. However, the full coverage can cover damages regardless of fault.
Risk Protection: Property damage liability covers basic accident-related damage, while full coverage also protects against theft, vandalism, fire, and natural disasters.
Cost: Property damage liability is more affordable, whereas full coverage comes with higher premiums due to wider protection.
Requirement: As per the US transportation laws, property damage liability is legally required in most 49 US states. Meanwhile, full coverage is often required by lenders for financed or leased vehicles.

From the given factors, it is clear that liability coverage is not enough to give comprehensive protection. This is why, based on your vehicle model and driving, you must seek coverage beyond this mandatory protection.

For instance, if you are driving your car for commercial or business purposes, get a commercial insurance policy rather than the standard liability policy for personal vehicles.

How Do I File a Property Damage Liability Insurance Claim?

You can simply file for a property damage insurance claim by navigating to the A-MAX Insurance claim page. However, before making the claim, you must also take certain steps as discussed below.

Step 1: Ensure Safety and Call Police

Before initiating the claim for property liability insurance after an accident, ensure you move to a safe area and get proper medical attention if you or any third party has suffered any injuries. Therefore, if the accident resulted in any huge vehicle damage or fatalities, it is essential to file an Incident Report at your nearest local police station.

Step 2: Keep the Scene Documented

You must collect the photos of the damaged vehicles, the accident scene, and the road conditions as proof to submit during claims. In fact, these documents will eventually decide the legitimacy of your auto insurance claim.

Step 3: Contact Your Insurance Provider

Once you get proper medical attention for the injured and notify the police, contact A-MAX Insurance. In fact, unnecessary delays can complicate the claim, as many insurers have specific time limits.

Step 4: File a Claim via Our Website

After you have prepared all the documents, you can file for an auto insurance claim via the website of A-MAX Insurance. You have to simply look for your insurance company on our website, or to make your job easy, click on the box containing the first letters of your policy.

If you need any guidance while filing for a property liability claim, you can call 800-979-2629 to speak to our customer service team or drop an email at info@amaxinsurance.com.

Property Damage Liability Insurance FAQs

Q: Why do I have to carry property damage liability insurance?

A: You must carry property damage liability insurance so that your car insurance policy will cover the damages you cause to another person's property after an accident you caused.

Q.Is there a deductible for property damage liability claims?

A: If you have a car accident and cause damage to someone else's property, you do not have to pay a deductible before your insurer pays for the damaged property. Your car insurance policy will pay the other person for the damages to their property up to the limit that is set on your property damage liability coverage insurance.

Q: Why should I have collision coverage if I have property damage liability coverage?

A: Property damage liability coverage only covers damage you cause to another person's car or other property. In order for your insurance policy to cover the damages to your vehicle, you must carry collision coverage as well.