Why Do I Have “Property Damage Liability” on My Car Insurance?

What if there were an award for the insurance coverage with the most confusing name?  My vote would go to “property damage liability” coverage on car insurance. Many might assume that “property damage liability” insurance would cover damage to one’s own vehicle. After all, your own car is property, and it can be damaged.

However, “property damage liability” actually pays on your behalf for damage to another person’s car, house, shrubbery, or other possessions. For example, if you took a left turn too wide and dented a parked car, ran over a bicycle, or crushed a bed of azaleas, you would be liable for that damage. The good news is, if you have “property damage liability insurance,” you won’t have to pay out-of-pocket to repair the other person’s “property” that has been “damaged.” Despite its confusing name, this insurance coverage will end up being quite helpful, and cover those damages.

Additionally, now you can win bets by stumping your friends over what “property damage liability” really means.

You’re welcome!

James Dick, CPCU, AAI

James Dick, CPCU, AAI

James is a licensed Property and Casualty broker working as Sales Manager for all of Merriam’s insurance programs. He and his wife love to travel and eat foods from around the world. James holds a BA in Classics from Washington and Lee University.

Sales Manager
Schenectady, NY

Toll-Free:
(877) MERRIAM x 219
(877) 637-7426 x 219

James Dick, CPCU, AAI

About James Dick, CPCU, AAI

James is a licensed Property and Casualty broker working as Sales Manager for all of Merriam’s insurance programs. He and his wife love to travel and eat foods from around the world. James holds a BA in Classics from Washington and Lee University.

Sales Manager
Schenectady, NY

Toll-Free:
(877) MERRIAM x 219
(877) 637-7426 x 219