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What Is Property Damage Liability in Car Insurance

If you’re like most people, you likely think of car insurance as a way to protect yourself from accidents. But what if something goes wrong while you’re driving—like hitting another car, for instance? In that case, you could find yourself facing property damage liability (PDL). PDL is a type of car insurance that covers the costs of property damage you cause while operating your vehicle. This typically includes damages to other cars, property, and people. So if you hit someone while driving and they wind up with a serious injury, they may be able to sue you for damages. And since lawsuits can be costly, it’s important to know what PDL covers and how it works in order to protect yourself. ###

What is Property Damage Liability in Car Insurance?

Property damage liability in car insurance is a type of coverage that pays for losses or damages you may cause to other people or their property as a result of an accident. This coverage can help you cover costs associated with things like:

Damage to cars, homes, and other property

Medical expenses for people injured in the accident

Lost wages for people who were unable to work due to the accident

If you are involved in an accident, it is important to know what type of property damage liability coverage your policy offers. Policy terms will vary based on the state in which you live, so be sure to read your policy carefully.

Types of Coverage

There are a few different types of coverage that can protect you from property damage in car insurance. These include collision, comprehensive, and liability. Collision coverage pays for damage to your car that is caused by another car. Comprehensive coverage pays for damages that aren’t related to collisions, like theft or vandalism. Liability coverage protects you from being held responsible for an accident that wasn’t your fault.

What is CGL?

The term “car insurance” generally refers to policies that provide financial protection in the event of an accident. In most cases, the policyholder is responsible for paying damages related to the accident, such as medical expenses and property damage. This is known as “property damage liability.”

If you are involved in a car accident, it is important to know your rights and what your insurance company may be willing to pay in relation to damages. Property damage liability covers not only physical injuries sustained in a car accident, but also any losses or damages related to the vehicle, such as its value or contents.

Depending on your state laws, you may have certain protections against being unfairly held liable for damages in an accident. For example, some states impose limits on how much someone can be forced to pay in total (known as “guaranteed money limits”), regardless of who’s at fault for the accident.

How to Handle a Claim

If you are involved in an accident, it is important to know your legal rights and what to do if someone makes a claim against you. In most cases, you will be at fault for the accident, and the person who was injured may file a claim against you.

Here are some tips on how to handle a property damage liability claim:

1. Get Your Car Accident Report Taken care of right away. This document will list all of the vehicles involved in the accident, as well as their damage levels. Make copies for yourself and each party involved in the accident.

2. Contact Your Insurance Company Immediately. Once you have your car accident report, contact your insurance company immediately and explain what happened. Ask them to begin investigating the accident and make a determination of who is at fault.

3. Obtain Evidence If Necessary. If someone makes a claim against you, be sure to gather any evidence that can support your side of the story. This includes eyewitnesses, photographs, and video footage from the scene of the accident.

4. Negotiate With The Claimant If Necessary. Sometimes it is possible to negotiate with a claimant before filing any court paperwork or going to trial. Speak with an experienced personal injury attorney about your specific situation if negotiations seem necessary.


It’s no secret that accidents happen. In fact, according to the National Safety Council, one in three Americans will be involved in an accident by the time they reach the age of 65. Although most accidents are minor and don’t result in any real damage, sometimes accidents do occur and property is damaged as a result. If you own or operate a business, it’s important to keep property damage liability coverage on your car insurance policy in case something bad happens and someone files a claim against you. Here are four reasons why: ###

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