What is Property Damage Coverage on my Car Insurance Policy?

Answer:
The property damage coverage on your car insurance

policy is also known as property damage liability coverage. Property damage liability coverage is one of the two coverage types required by law in most states.

Generally, your liability coverage will be listed like this: 50/100/50. The last number refers to your property damage liability amount; in the example the amount would be 50,000 dollars.

The property damage coverage you have will cover the damage you do to someone else’s property if you are found at fault during an accident. Although some states only require as little as 5,000 dollars of coverage, you should keep in mind that this will not cover the average car if you are found at fault during an accident. Therefore, insurance companies will usually recommend at least 100,000 dollars worth of coverage for property damage.