What is “Property Damage Liability” (PDL) insurance?
Property damage liability is an at-fault coverage designed to cover the other party’s damages. This coverage only pays out if you are found to be at fault for the accident. The coverage reimburses the other party for their vehicle damages, as well as damages to their personal property that result from the accident. Insurance Lawyers Suffern
Property damage liability (PDL) coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property up to the stated amount provided by your policy. Usually, this means damage to someone else¿s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hits. It may also cover the contents of the other party’s automobile. Return to index . . .
This coverage pays for damages you or members of your family cause (and are liable for) to other people’s property in a crash involving a motor vehicle. The damages would include the vehicle but can also include real estate damage (if you lost control and ran off the road and hit a fence, deck or even a home) or even the contents of the other party’s automobile.
• A: Property damage liability (PDL) coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property up to the stated amount provided by your policy. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hits. It may also cover the contents of the other party’s automobile.
