0
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.
Still curious? Ask our experts.
Chat with our AI personalities
Devin
Ezra
SteveAdd your answer:
Earn +20 pts
What are the rules or guidelines of PLPD insurance?
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
What does property damage liability car insurance cover in an accident?
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.
Does property damage liability cover damage to your neighbors property?
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.
Does homeowners insurance cover damage to your neighbor's property caused by fire?
Usually your policy will have a section covering your liability as a homeowner. This may cover the neighbour. Check your policy ask your insurer
What does terrorism insurance coverage cover on a general liability policy?
Federally defined acts of terrorism which cause physical damage to your property.
Does tenant liability insurance cover property damage due to tenant negligence?
Yes if it is covered by d insurance policy & No if not. Usually its not.
If I had a motor vehicle accident and have property damage liability is the other drivers vehicle covered?
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.
Does liability auto insurance cover your car if you hit a pole?
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.
What is liability coverage on auto insurance?
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.
Which auto insurance coverage pays for injury or damage that the insured driver causes to other people or their property?
Bodily injury liability and property damage liability should cover those.
Does landlords liability insurance cover damage to your property when building floods due to landlord negligence?
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.
What does the liability portion of auto insurance cover?
Caution Laymans Answer! Basically Liability is to cover damage done to outher people and other peoples property.
