Car Insurance: Property Damage Coverage

"Property Damage Liability protects against monetary loss resulting from legal liability for damage to property of another in the United States, Canada or Mexico."

How to Choose Limits?

Typically, this limit matches either the per person limit on bodily injury or the per occurrence limit (meaning, if bodily injury is $100,000 per person & $300,000 per ocurrence, you would likely select either $100,000 or $300,000).

Don'ts

CSL: There is the option to combine this under the bodily injury limit, also called Combined Single Limit, but as discussed in the write up on Bodily Injury Coverage, you are short changing yourself by providing another limit for an accident that may have both loss types.

Do's

You should select $100,000 at the very least- running into a building could instantly cause that much or more, deepening on the specialized equipment needed to fix it, or the reconstruction of the entire thing.

Options

Your Options range from Michigan's state minimum of $10,000 on up. What you should select is below. We suggest you choose this by figuring the value of all your assets and doubling that number, which equals the limit you select:

• $100,000
• $250,000
• $300,000
• $500,000
• $750,000
• $1,000,000 (more are available through a Personal Umbrella Policy)

*Keep in mind, your situation may be different. Do not use this as a guide to create your own insurance policy, nor hold us accountable as we do not know your individual situation!