Property damage and liability coverage are two different things and provide different coverages entirely. Property damage coverage on an auto policy covers the named insured on the policy. The named insured must be the owner of the vehicle as you cannot insure a vehicle you don't own. Generally insurance companies allow immediate family members who reside in the home to be included on the policy as long as they are listed as drivers on the policy. If the vehicle belongs to someone not the named insured then the coverage is void. If the driver of the vehicle is not listed as a driver on the policy this would also be material misrepresentation and the policy would be void.
PlPD = public liability, property damage, meaning your policy will cover medical and some property damage to a vehicle or property you may have an infraction with
Property damage liability car insurance will cover the individuals car and property that you hit. It will not cover anything to do with your vehicle if the accident is your fault.
Yes, if you have Liability coverage on your policy, then it would provide coverage for the cost of legal defense as well as court judgements rendered against you for whch you are found liable.
Usually your policy will have a section covering your liability as a homeowner. This may cover the neighbour. Check your policy ask your insurer
Federally defined acts of terrorism which cause physical damage to your property.
Yes if it is covered by d insurance policy & No if not. Usually its not.
That's what liability is all about. The keyword here is liability, which covers any incidents you may be liable for. Your policy will cover the vehicle, subject to policy limits. What happens if the damage you cause exceeds your policy limits, that I am unsure of.
No. Liability insurance will only cover your liability for property damage/injuries to others. In this case, it would cover the damage to the pole you hit. Your liability coverage will never cover damage to anything you own. You would need collision/comprehensive coverage to cover damage to your car.
This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.
Bodily injury liability and property damage liability should cover those.
You must review the actual policy, but in most cases the landlords liability insurance only covers their property and NOT your personal property. You should probably get your own policy through travelers insurance for liability, and persaonal property. Make sure it includes flood/water damage as this would likely be a separate rider. Landlord Negligence would be a lawsuit to recover your property value. Seek advice from an attorney.
Caution Laymans Answer! Basically Liability is to cover damage done to outher people and other peoples property.