What is Property Damage Liability?

Even though Florida law does not mandate that you carry collision insurance, many customers find that they are forced to carry the coverage by their finance companies for their vehicle(s). The easy way to describe collision coverage is that it pays for damage to your automobile caused by an accident.

Comprehensive insurance is closely related to collision insurance, which also pays for damages done to your car by an accident. Collision insurance pays for your car damages if you are in an at fault accident, however it can also cover your damages if you are involved in a non- fault accident. You may end up in an accident where the driver at-fault doesn’t carry PDL insurance. You could even be the victim of a hit and run accident where the at-fault driver cannot be determined. Whatever the case may be, it is extremely beneficial for most automobile drivers to carry collision insurance.