Property Damage Liability Insurance

Cotización
Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.

What Is Property Damage Liability Insurance?

If you cause an accident, your seguro para autos has two types of liability coverage that can help protect you:
 
Many states require you to carry these policies to help cover damage and injuries you cause.
 
To learn more, let’s take a closer look at the property damage liability definition.
 

What Does Property Damage Insurance Cover?

Property damage liability insurance, also known as property damage insurance, can help pay for repairs if you destroy another person’s belongings, like their:
 
  • House
  • Vehicle
  • Oficina
  • Tienda
  • Trees
  • Lamp posts
This means that property damage insurance can help if you:
 
  • Turn your vehicle into a friend’s driveway too quickly and hit their mailbox
  • Crash into a storefront after putting your car in “drive” instead of “reverse”
  • Rear-end another car while you’re in traffic
This insurance can help cover the cost of repairs up to your policy limit. It’s also important to be aware that this coverage doesn’t pay for damage to your own car. That’s why you’ll need collision coverage.
 

Property Damage Insurance Requirements by State

Responsabilidad por daño a la propiedad To make sure you’re fully protected, you’ll want to get the right amount of property damage insurance. In fact, most states have a minimum amount for liability coverage. But you may want more than that, because you’ll have to pay out of pocket for repairs that exceed your policy limit.
 
Not sure how much your state requires? See what minimum limits you need, according to the Insurance Information Institute (III):
Alabama: $25,000
Alaska: $25,000
Arizona: $25,000
Arkansas: $25,000
California: $5,000
Colorado: $15,000
Connecticut: $20,000
Delaware: $10,000
Washington, D.C.: $10,000
Florida: $10,000
Georgia: $25,000
Hawaii: $10,000
Idaho: $15,000
Illinois: $20,000
Indiana: $25,000
Iowa: $15,000
Kansas: $25,000
Kentucky: $25,000
Louisiana: $25,000
Maine: $25,000
Maryland: $15,000
Massachusetts: $5,000
Michigan: $10,000
Minnesota: $10,000
Mississippi: $25,000
Missouri: $25,000
Montana: $20,000
Nebraska: $25,000
Nevada: $20,000
Nueva Hampshire: $25,000
Nueva Jersey: $5,000
Nuevo México: $10,000
Nueva York: $10,000
Dakota del Norte: $25,000
Ohio: $25,000
Oklahoma: $25,000
Oregon: $20,000
Pennsylvania: $5,000
Rhode Island: $25,000
Carolina del Sur: $25,000
Dakota del Sur: $25,000
Tennessee: $15,000
Texas: $25,000
Utah: $15,000
Vermont: $10,000
Virginia: $20,000
Washington: $10,000
West Virginia: $25,000
Wisconsin: $10,000
Wyoming: $20,000
Also keep in mind that your state may require other types of coverage on your auto policy, like medical payments. That’s why it’s a good idea to check your state’s car insurance laws to make sure you have the right coverage in your plan.
 

How Much Liability Coverage Do I Need?

What is property damage liability To figure out how much liability insurance you need, think about the total value of your personal assets. You’ll want to choose at least that much in coverage to protect your financial well-being if you’re at fault in a car accident. You can also increase your protection on the road by adding other types of liability car insurance to your policy, like:
 

How Much Does Property Damage Liability Cost

Property damage liability definition If you live in an area with more drivers, your liability cost will likely increase. This is because there’s a higher chance you’ll be in an accident where you’ll need physical damage insurance. Also, if you choose a higher coverage limit than your state’s minimum requirement, this can increase your rate. It’s also important to note that the amount you drive impacts your premium price.
 
To figure out an estimate of how much coverage you need, you can use a car insurance calculator. You can also learn more about auto insurance coverage types and what descuentos en seguros para autos are available by getting a quote from us today.
 

How Do You File a Property Damage Claim?

Don’t forget that this coverage only pays for damage to someone else’s property. So, if you hit another car you should exchange information with the other driver, including the name and contact number of your insurance company, along with your policy number.
 
The owner of that vehicle can then file a claim through your insurer. And your insurance company will work with the other driver to pay the cost to repair or replace their car.
 
If you carry collision insurance on your policy, you can file a claim to fix damages to your own vehicle. To file reclamaciones de seguro para autos llámenos al 800-823-5860. For glass-only claims, you can call 800-892-8484.
límite de responsabilidad por daño a la propiedad

Daños a la propiedad

Conozca más acerca de la cobertura por daños a la propiedad con este video.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.