{"id":6809,"date":"2024-11-07T07:41:35","date_gmt":"2024-11-07T15:41:35","guid":{"rendered":"\/wp-site\/?p=6809"},"modified":"2025-11-21T10:29:31","modified_gmt":"2025-11-21T18:29:31","slug":"property-damage-liability-car-insurance","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/property-damage-liability-car-insurance\/","title":{"rendered":"Property Damage Liability: What Is It, and How Does It Work?"},"content":{"rendered":"\n

Property damage liability pays for damage to other people’s<\/strong> cars and property when you cause a crash. It’s required in almost all states<\/strong> as part of standard liability insurance. <\/p>\n\n\n\n

Jerry has helped 240,241 drivers<\/strong> get the right amount of property damage liability coverage and we encourage drivers to consider higher limits than the state minimum<\/strong> to protect your finances in case of an accident.<\/p>\n\n\n

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Jerry pulls up to 20 quotes from top rated carriers.<\/strong><\/p>\n\n\n\n

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What property damage liability does and doesn’t cover<\/h2>\n\n\n\n
Covered<\/th>Not covered<\/th><\/tr><\/thead>
Other people’s car repairs.<\/td>Your car repairs.<\/td><\/tr>
Other people’s damaged buildings or structures. <\/td>Your property damage.<\/td><\/tr>
Other people’s fences, mailboxes and landscaping. <\/td>Damage costs over your policy limits.<\/td><\/tr>
Rental car costs for the other driver.<\/td>Your rental car expenses. <\/td><\/tr>
Legal defense if you’re sued.<\/td>Medical bills or injuries.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n
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Jerry recommends:<\/strong> Don\u2019t skip property damage liability insurance<\/a>\u2014it\u2019s often illegal to drive without it<\/strong>. Plus, you\u2019d have to pay out of pocket for any damage you cause in a crash. Get covered quickly by comparing quotes with property damage liability in the Jerry app.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

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How property damage liability works<\/h2>\n\n\n\n

Property damage liability has a single limit <\/strong>and is commonly expressed as the third number in a liability policy, such as 25\/50\/25<\/strong>. <\/p>\n\n\n\n

That third number (25) <\/strong>represents the policy\u2019s per-accident limit<\/strong>, which is the maximum amount that will be paid for property damage you cause in a crash \u2014 in this case, $25,000<\/strong>. The first two numbers in the liability limits (15\/30) are for bodily injury liability<\/a>.<\/p>\n\n\n