How Much Property Damage Auto Insurance Do I Need?


When you’re in an accident, the last thing you want to worry about is the cost of repairs. That’s where car insurance comes in. In this blog article, we’ll take a look at how much property damage auto insurance does and does not cover. We will also discuss factors you need to consider when shopping for car insurance, including collision coverage and uninsured motorist coverage. After reading this article, hopefully you will have a better understanding of what car insurance covers and what it doesn’t. If you have any questions or would like help finding the right policy, don’t hesitate to reach out to us.

How Much Property Damage Do I Need?

Auto insurance policies vary in the amount of coverage they provide for property damage. In general, the more money you have saved in premiums, the more coverage you will have.

Here are four general guidelines to help you determine how much property damage auto insurance you need:

1. Your deductible. This is the amount you must pay before your policy begins to pay out on claims. The higher your deductible, the less money you will have to spend on repairs after a car accident.

2. Your personal responsibility limit (PPL). This is the maximum amount your policy will pay out for each claim made during a given period of time, typically three years or 24 months. A higher PPL means that you are financially responsible for more major damages and injuries.

3. Your coverages. Auto insurance policies usually include coverages for bodily injury, property damage, and liability. The extent of these coverages will vary based on your state’s laws and the type of vehicle you own.

4. Your premium rate. Your premium rate is determined by a number of factors, including your age, driving record, and location.

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How Much Property Damage Do I need Auto Insurance for?

In order to get the most comprehensive auto insurance policy, you will need to understand how much property damage your vehicle can incur. If your car is totaled or has major damage, then you will need full coverage. Conversely, if your car only has minor damage, you may only need a liability policy.

To help determine how much property damage your vehicle can incur, consider the following:
-The make and model of your car
-The age and condition of your car
-The value of your car


In the U.S., the average household has over $100,000 in property damage liability insurance. That means if something happens and you are deemed responsible for damages, your policy will cover those costs up to that amount. Of course, this is just an average; some people may need more coverage than that and others might not need any at all. The important thing is to talk with your insurance agent about what kind of coverage you actually need and feel confident that you are fully protected in case of a loss or accident.