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PROPERTY DAMAGE LIABILITY INSURANCE COVERAGE
Property damage liability car insurance coverage is an auto insurance product that covers car or property damage repair expenses for damage caused by you to another party, aka you are the at fault side in an auto accident and damaged someone else's vehicle or property.
As you know, car accidents and road crashes do happen. You missed a stop sign or a red light, were over speeding, made an illegal turn, texted while driving... unfortunately, these life threatening driving habits are too frequent, and sometimes can result in an accident - an accident that you, being non-compliant with the law, assuming that you actually survive it, are legally responsible for.
Even if the person in the vehicle that you collided with carries insurance, he has no legal responsibility to pay for these damages.
In this case, the costs fall squarely on you. And in the case that you accidentally violate a rule such as driving on a red light, the resulting collision can result in fairly serious damage to the vehicle you collide with.
You may want to ask yourself the following questions while exploring your options:
- Do I have a tendency to space out?
- Do I consistently follow the rules, or do I often break them out of habit or impatience?
- Do I drive when I am tired, or at night when there is less visibility?
- Do I drive in areas of traffic, or areas where there is barely any other vehicles?
Depending on your answers to each question, you should compare property damage liability auto insurance quotes online for free and pick your plans accordingly.
