How much should your insurance cover per property damage?
Mia Cox
Published Jan 20, 2026
Minimum California Car Insurance Coverage California requires drivers to carry at least the following auto insurance coverages: Bodily injury liability coverage: $15,000 per person / $30,000 per accident minimum. Property damage liability coverage: $5,000 minimum.
What business insurance covers property damage?
commercial general liability insurance
General liability insurance, also known as commercial general liability insurance or business liability insurance, helps cover: Costs for property damage claims against your business.
What does it mean to have property damage insurance?
What is Property Damage Liability? Property damage liability is the often-overlooked part of your car insurance that pays for damage to other people’s property from an accident you’re responsible for. Most often, it’s paying to repair other person’s vehicle, but it could also pay for damage to a garage door, a mailbox, a bicycle.
How does limited property damage work in Michigan?
Limited Property Damage Coverage (Mini Tort) For Your Car Damage If your car is damaged in an auto accident, the limited property damage coverage (Michigan mini tort law) allows you to recover up to $1,000 from the at-fault driver’s insurance company for your vehicle damage repair costs.
What are the limits for property damage coverage?
This is always shown as split limits, which looks like this: 25/50/25. Those numbers correspond to how much coverage you have for each form of liability coverage. In this example, the allocated limits are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident, respectively.
How to find the cheapest property damage insurance?
Property damage liability isn’t really sold on its own; it comes as a package with bodily injury liability (the part of your auto insurance that pays for other people’s medical bills). The best way to find the cheapest insurance package is, of course, to compare free, personalized quotes on Compare.com.
