What’s the Difference Between Collision Coverage and Property Damage Liability Coverage?

Whether you’re injured or not in an accident, you will most likely need to file a claim for damage to your property (usually your vehicle if it’s an automobile accident). Typically, if the accident was caused by another driver, their insurance should pay for your damages. However, they don’t have a contract with you and it is of no benefit to them to expedite your claim.

Collision Coverage

If you have collision coverage on your insurance policy, you may prefer to file a claim through your own insurance company. Collision coverage, although not required, is highly recommended.

If you’re involved in an accident that someone else caused, and that person is either uninsured or underinsured, your collision coverage pays much of the cost of repairing or replacing the damage to your vehicle. Even if the other driver is insured, many with collision coverage prefer to file a claim with their own insurance company.

If your insurance company finds that someone else is at fault, they will be more proactive about investigating the claim than the insurance company of the other driver.

Property Damage Liability Coverage

If you don’t have collision insurance, you’ll want to file a claim against the other driver’s Property Damage Liability coverage (PDL).

Florida requires every driver to carry at least $10,000 of PDL coverage. PDL covers you and every member in your household for damages caused by you in a vehicle accident.

Auto Accident Attorney

Navigating the claims process can be difficult. You need an experienced auto accident attorney who knows how to deal with the insurance company.

Before you agree on any settlement, call Dan Newlin Injury Attorneys at 800-257-1822.

We offer free consultations and legal advice on how to best handle your property damage claim. You pay nothing unless we win your case.