If you’re looking into auto insurance coverage in or around Orlando, FL, you might wonder how property damage liability works and whether it’s required. Here, the team at Insurance Warehouses of America helps you learn the facts and what you can expect from auto insurance coverage.

Property Damage Liability in Florida Is Required

Property damage liability insurance is required for all registered vehicles in Florida. Think of it as one major half of your insurance policy. As a driver in Florida, you’re required to secure coverage for property and bodily damage, meaning you’ll need property damage liability (PDL) and personal injury protection (PIP). PDL covers damage you do to other people’s property, not your own. If you want coverage for damage to your vehicle, you’ll need to add collision and comprehensive insurance.

What Does Property Damage Liability Cover?

The most obvious property that this clause covers is the other driver’s car. Whether you hit one car or multiple cars, you can count on your insurance policy to cover some or all of the costs up to your policy’s limit. However, property damage liability covers more than vehicles, depending on the circumstances of the crash. So, if the driver’s laptop was damaged during the crash, insurance may be able to replace or repair the device. If you crash into someone’s mailbox, PDL would respond.

Why Do I Need Property Damage Liability in a No-Fault State?

Even though Florida is a no-fault state, this provision largely applies to bodily injuries, rather than property damage you cause. If you’re in Orlando, FL and the surrounding area, you’ll still need a way to cover costs for property damage you cause.

Talk to one of our knowledgeable agents to learn more about how much auto insurance to purchase, particularly if you drive frequently. If you’re involved in a severe crash, costs can add up. Contact Insurance Warehouses of America to learn more about the different coverages in your auto policy.