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What is Property Damage Liability?

Written by admin on April 21, 2023 at 5:12 PM.

Property damage liability is a type of insurance coverage that protects individuals and businesses from financial losses due to damage caused to their property by a third party. This coverage is often included in automobile insurance policies and is essential for vehicle owners.

When a car accident occurs, it is not just the occupants of the vehicles that may suffer injury, but also the property of others involved in the accident. Property damage liability coverage is designed to provide financial protection to those whose property has been damaged in a car accident.

Property damage liability coverage is crucial for homeowners and businesses as it protects their property from damage caused by an automobile accident. If a driver hits a building or a fence, for example, the cost of repairing the damage can be significant. Property damage liability coverage can help cover the repairs’ cost, preventing homeowners and businesses from suffering financial loss.

In the event of an accident, the driver’s insurance company responsible for the damage will typically compensate the affected party. However, if the at-fault driver does not have adequate insurance coverage, the affected party may need to rely on their own insurance policy to cover the cost of repairs.

For homeowners and businesses, it is important to ensure that they have adequate property damage liability coverage to protect their property from damage caused by a car accident. Without this coverage, the cost of repairs can be substantial, and it may be difficult to recover those costs from the at-fault driver or their insurance company.

In addition, law often requires property damage liability coverage for drivers in many states. This means that drivers must have a minimum amount of coverage in place to protect the property of others in the event of an accident. Failure to have this coverage can result in fines and other legal penalties.

What are Property Damage Liability Insurance coverage limits in the state of Florida?

In the state of Florida, the minimum required Property Damage Liability Insurance coverage limits are $10,000 per accident. The state sets these coverage limits and represent the minimum amount of insurance that drivers must carry to legally operate a vehicle on the state’s roads.

However, it is important to note that these minimum coverage limits may not be enough to fully cover the cost of property damage in the event of an accident. Suppose the repair cost of property damage exceeds the policy limits of the at-fault driver’s Property Damage Liability Insurance. In that case, they may be held personally liable for the remaining cost of the damages.

For this reason, many drivers in Florida choose to purchase higher coverage limits for their Property Damage Liability Insurance. By doing so, they can ensure adequate coverage to protect their assets in the event of an accident.

When selecting a Property Damage Liability Insurance policy, it is essential to carefully consider the coverage limits and policy limits offered by the insurance company. These limits will determine how much coverage is available in the event of an accident and how much the policyholder will be responsible for paying out-of-pocket.

In addition, it is essential to understand the difference between liability limits and policy limits. Liability limits refer to the maximum amount of coverage available for each type of liability coverage, such as Property Damage Liability Insurance. On the other hand, policy limits refer to the maximum amount of coverage available for the entire policy.

When to Call A Public Adjuster If Your Home Has Been Damaged By An Automobile 

If your home has been damaged by a car accident, it can be difficult to navigate the complex process of filing a property damage insurance claim. In some cases, it may be necessary to call a public adjuster to help ensure that you receive a fair settlement for the damages.

Before calling a public adjuster, it is important to understand the types of insurance coverage that may be available for property damage caused by a car accident. Liability Car Insurance is the type of insurance that will typically cover property damage caused by an at-fault driver in an auto accident. This coverage is designed to protect the assets of the at-fault driver by compensating the affected party.

If you have liability coverage, you can file a liability claim with your Auto Insurance Company to seek compensation for the damages to your property. However, it is important to note that there may be limits to the amount of compensation available under this type of coverage, depending on the policy limits and the damaged property type.

If the damages exceed the limits of your liability coverage, or if you have a different type of property that is not covered by this type of insurance, it may be necessary to call a public adjuster to help navigate the claims process.

A public adjuster is a professional licensed by the state to represent the policyholder’s interests in insurance claims. They can help you understand your policy and work with the Auto Insurance Company to ensure that you receive a fair settlement for the damages.

It is important to note that a public adjuster will typically charge a fee for their services, which is usually a percentage of the settlement amount. However, if you are dealing with significant damages or if the insurance company is denying your claim, the services of a public adjuster may be well worth the cost.


Property Damage Liability


Call Stellar Public Adjusters If Your Home or Business Was Damaged in A Car Accident

Property damage caused by a car accident can be a stressful and overwhelming experience, especially when dealing with insurance claims and the cost of damage repair. To ensure that you receive the maximum compensation available under your policy, it is essential to work with a trusted and experienced public adjuster like Stellar Public Adjusters.

Our team of professionals has extensive experience in handling property damage claims caused by car accidents, and we will work tirelessly to help you receive a fair settlement for the damages. We understand that the cost of damage repair can be a significant burden, and we are committed to helping you navigate the claims process and get the compensation you deserve.

If your home or business has been damaged in a car accident, don’t wait – call Stellar Public Adjusters today to schedule a consultation. Our team will review your policy and provide you with the guidance and support you need to move forward confidently. Let us help you get the compensation you deserve and get back to normal as quickly as possible.

Contact us today if you need a public adjuster because you’re looking for a fair resolution. Call our office at (888) 987-8355; Stellar Adjusting is open 24 hours per day, 7 days per week.

What Clients Are Saying About Us


Vanessa R.

Friendly staff and work really hard to get what you deserve. I appreciate everything they did for me. Thank you again.

Vanessa R.


HIGHLY recommend Stellar Public Adjusting! Meticulously and professionally handled our claim, and stood by our side throughout the entire process! Thank you!


Philip O.

Worked with Stellar on a project involving a kitchen flood. They were always there to help & answer all the questions I had – and they reached a fair settlement with my insurance for me. I probably wouldn’t have gotten half of what I did without them! I’d easily recommend them to anyone needing a Public Adjuster.

Philip O.

Nicholas P., Miami Beach, FL

Glad I hired them. Stellar Public Adjusting assisted in my water damage claim in my condo from my neighbors pipe. They really know there stuff when it comes to claims. They obtained way more than my insurance company initially offered. A very professional company.

Nicholas P., Miami Beach, FL

Yossi K., Brooklyn, NY

David has done multiple claims for our real estate company, as well as for myself and friends. Always exceeds expectations. Highly reliable, and completely on top of his game. Highly recommended.

Yossi K., Brooklyn, NY

Marc C., Miami, FL

I have full confidence in the team at Stellar and do not recommend that anyone file an insurance claim without them. The insurance company is not on your side and they are not a good neighbor.

Stellar is on your side and they are in the neighborhood. Call them immediately when damage happens.

Marc C., Miami, FL

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