Property Damage Liability on 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 auto insurance. Many might assume that this Insurance would cover damage to one’s own vehicle. After all, your own car is property, and it can be damaged.

However, this coverage actually pays on your behalf for damage to another person’s vehicle, house, shrubbery, or other possessions. For example, if you took a left turn too wide and dented a parked vehicle, ran over a bicycle, or crushed a bed of azaleas, you would be liable for that damage.

The good news is, if you have this coverage, 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.

Contact a Merriam Insurance representative today to learn more.

Property Damage Liability on Car Insurance

James Dick, CPCU, AAI

Latest posts by James Dick, CPCU, AAI (see all)