Property Damage Liability

Property Damage Liability (PDL) coverage is an essential component of auto insurance that protects drivers financially if they damage another person’s property in a car accident. If another driver is at fault for your accident, that driver’s property damage liability insurance would cover the damage to your vehicle and other personal property up to the policy limits.

Understanding property damage liability coverage and the auto insurance requirements in Georgia is crucial for drivers to ensure adequate protection and comply with state laws.

What Is Property Damage Liability Coverage?

Your Property Damage Liability Coverage pays for damages to another person’s property, such as their vehicle, fence, or other structures, after a car accident where you are at fault. It covers the costs associated with repairing or replacing the other driver’s vehicle and other damaged property up to the policy limit.

If another driver is at fault for your accident, you would file a claim against that person’s insurance company. Property Damage Liability would cover the property damage to your vehicle and other personal property. Your property damage liability coverage does not pay for the damage to your vehicle.

Minimum Auto Insurance Requirements in Georgia

In Georgia, as in many other states, drivers are required to carry a minimum amount of auto insurance to legally operate a vehicle on the road. Here are the minimum auto insurance requirements in Georgia:

  • $25,000 in Bodily Injury Liability coverage per person.
  • $50,000 in Bodily Injury Liability coverage per accident.
  • $25,000 in Property Damage Liability coverage per accident.

These are the minimum limits the state sets, and drivers may choose to purchase higher coverage limits for additional protection.

How Property Damage Liability Coverage Works in Georgia

In the event of a car accident in Georgia where the insured driver is at fault and causes property damage to another person’s vehicle or property, the Property Damage Liability coverage of the driver’s insurance policy will kick in to cover the costs of repairing or replacing the damaged property, up to the policy’s coverage limits.

For example, suppose a driver rear-ends another vehicle, causing damage to the rear bumper and taillights of the other vehicle. In that case, the at-fault driver’s Property Damage Liability coverage will pay for the repairs or replacement of the damaged parts.

However, it’s important to note that Property Damage Liability coverage does not cover the costs of repairing or replacing the insured driver’s vehicle. For this type of coverage, drivers would need Collision Coverage or Comprehensive Coverage, which are separate types of insurance coverage that protect the insured vehicle in the event of damage or loss.

Conclusion

Property Damage Liability coverage is a fundamental component of auto insurance that protects drivers in Georgia from financial responsibility for damages to another person’s property in a car accident. Georgia drivers are required to carry a minimum amount of auto insurance coverage, including Property Damage Liability coverage, to comply with state laws.

Understanding how Property Damage Liability coverage works and ensuring adequate coverage limits are essential for Georgia drivers.

Related case reference: UNITED STATES v. RELIABLE TRANSFER CO., INC.

Get the compensation
you deserve $$$

Local Auto Accidents

  • Atlanta
  • Conyers
  • Decatur
  • Kennesaw
  • Lawrenceville
  • Morrow
  • Watkinsville

Interstate 85 south shut down at Boggs Road because of crash  Gwinnettdailypost.com [...]

One dead after crash in Atlanta, police say  11Alive.com WXIA [...]

Memorial Day weekend Georgia drownings, car accidents  11Alive.com WXIA [...]

Community stunned after 4 dead, 6 injured in I-75 crash in Bartow County  Atlanta News First [...]

Victims of Sunday's multi-vehicle crash on I-75 in Bartow County identified  FOX 5 Atlanta [...]

Best Cheap Car Insurance Rates in Georgia (as low as $42/mo)  ValuePenguin [...]

Crash at notorious Decatur intersection sends three to the hospital  Decaturish.com [...]

Deadly Miller Rd/Covington Hwy crash: DeKalb Police  11Alive.com WXIA [...]

1 dead in overnight Decatur car crash, police say  Atlanta News First [...]

16-year-old student dies in crash, marking Lakeside High's fifth traffic fatality this school year  Decaturish.com [...]

Construction accident claims life of Watkinsville company employee  Online Athens [...]

Two pickups crash killing woman and injuring four other people  Online Athens [...]

Truck driver killed, 3 others injured in related traffic accidents, Athens police say  Atlanta News First [...]

Watkinsville man killed following truck crash on Commerce Road  Online Athens [...]

Daniel Thomas “Danny” Roland  Now Habersham [...]

3 dead after driver flees from GA police, crashes vehicle as car goes up in flames  WSB Atlanta [...]

Clayton County: Stolen ambulance chase leads to crash near Tara Boulevard, Dixon Road  FOX 5 Atlanta [...]

GDOT: I75 crash in Clayton County; lanes blocked  11Alive.com WXIA [...]

Four killed in Ohio highway wrong-way crash  NBC4 WCMH-TV [...]

Teenage car break-in suspect in Gwinnett County struck by vehicle  FOX 5 Atlanta [...]

Community stunned after 4 dead, 6 injured in I-75 crash in Bartow County  Atlanta News First [...]

5 killed in Bartow County I-75 crash identified: coroner  11Alive.com WXIA [...]

Bartow County crash: Kennesaw State University student killed  11Alive.com WXIA [...]

Pedestrian killed in overnight crash at Kennesaw intersection  Yahoo! Voices [...]

Family shaken but unhurt after car crashes into Cobb County home  11Alive.com WXIA [...]

One dead after crash in Atlanta, police say  11Alive.com WXIA [...]

Woman killed in Henry wreck that shut down I-75 South for hours   The Atlanta Journal Constitution [...]

Driver in deadly Peachtree Corners high-speed crash charged with murder  FOX 5 Atlanta [...]

4 Dead, At Least 3 Injured In 2 Gwinnett Co. Crashes  Patch [...]

Lawmakers consider banning speed cameras in Ga., one metro Atlanta county fights to keep them  WSB Atlanta [...]

Russell Jacoby Obituary - PA  The Morning Call [...]

2 killed in motorcycle crash on I-20 in Rockdale County  WSB Atlanta [...]

2 killed in Rockdale County multi-vehicle crash, sheriff’s office says  Atlanta News First [...]

Greenville: 3 women killed in crash on I-85  WYFF4 Greenville [...]

Rockdale County storm damage near Sigman Road  11Alive.com WXIA [...]

Free Case Review
Weinstein law firm logo
Let's get started with your FREE consultation
Weinstein law firm logo
Injured in an Accident? You Want the Best!

When it comes to personal injury cases, time isn't always on your side. Contact us today and see why all of our clients say Weinstein Wins!

Let us fight for your rights and get you the maximum compensation you deserve!