This coverage is intended to protect you if you\u2019re involved in the accidental destruction of property.<\/p>\n\n\n\n
What Is Property Damage? <\/h2>\n\n\n\n
Property damage occurs if you harm or destroy another person\u2019s property during an accident. For instance, driving into a vehicle and denting it is considered property damage. You can also damage other types of property, including trees, lamp posts and buildings. In no-fault states, your property damage insurance pays for your damages, regardless of who caused the incident.<\/p>\n\n\n\n
Types of Property Damage Vehicle Insurance<\/h2>\n\n\n\n
There are different types of property damage. The damage might lead to expensive repairs, loss of use, or diminution in value. After a property damage appraisal, the claim adjuster<\/a> will determine the type of accidental property damage. That is an important step in having an insurance company pay a claim.\u00a0<\/p>\n\n\n\n Since the minimum amount of property damage liability insurance required by most states varies from a low of $5,000 to a high of $25,000, the average cost of your insurance premium could range from $130 to $140 per year. Typically, the average property damage bill comes in at roughly $5,000, lower than most state\u2019s requirement. However, motorists are welcome to add more property damage insurance.<\/p>\n\n\n\n Buying more property damage insurance will not add much to your overall car insurance premium.<\/p>\n\n\n If your car damaged property in a covered event, you would use your property damage auto insurance to pay for the repairs or loss of the property. Other items that are often covered under property damage insurance include:<\/p>\n\n\n\n Experts recommend that you purchase at least enough in property damage liability coverage to pay for a new car if you total someone\u2019s vehicle. If you total a brand new sports car, you may be stuck paying quite a bit out of pocket if you only have the minimum required amount.<\/p>\n\n\n\n Your collision car insurance<\/a> provides coverage to repair your vehicle regardless of who caused an accident. In an at-fault state, property damage insurance pays for damages incurred by the driver who is not at fault. It will not pay for any damage to your vehicle if you caused the wreck. However, if you have collision car insurance, it will pay for damages to your car after you meet your deductible.<\/p>\n\n\n\n Aside from the fact that a certain amount of property damage insurance is legally required in most states, property damage insurance can benefit you in the event of a car crash. Begin the process by comparing quotes from different insurance companies<\/a>. Once you\u2019re insured, you will have more confidence when you\u2019re on the road. You\u2019ll know that even if you are in an accident, your finances will be protected.<\/p>\n\n\n\n If you are getting ready to hit the road, make sure you have the car insurance coverage you need. Freeway can help you find the right coverage for your needs and budget. Get a free car insurance quote online<\/a>, over the phone at 800-777-5620, or at one of our offices<\/a> near you.<\/p>\n\n\n How Much Does Property Damage Auto Insurance Cost?<\/h2>\n\n\n\n
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<\/figure><\/div>\n\n\nWhat is Covered under Property Damage Auto Insurance?<\/h2>\n\n\n\n
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What Is the Difference Between Collision Insurance and Property Damage Insurance?<\/h2>\n\n\n\n
Getting Property Damage Insurance<\/h2>\n\n\n\n
Find Affordable Car Insurance Online Today<\/h2>\n\n\n\n