Considering Auto Insurance Property Damage Coverage?
After experiencing a car accident in the Harrisburg region, your damages can add up quickly. Even a “fender bender” can be incredibly expensive when all the bills begin to show at your door. Beyond the car, truck, SUV or motorcycle being damaged, the incident may also have left property destroyed or in need of repairs. As you can imagine, the monetary loss can quickly add up.
If you were to pay for all the damage yourself, you would be out thousands of dollars at once. That’s why it’s important to investigate property damage coverage when getting an auto insurance policy.
The Ins and Outs of Property Damage Coverage
The most important thing to know about adding property damage coverage to your insurance policy is that it works whether you’re at fault for an accident or not. This takes the weight off you if you’re partially or fully to blame for any type of property damage.
What does the term “property” mean when you’re discussing this kind of insurance add-on? It can vary, but some of the most common items that are replaced or repaired at little to no cost to insured individuals include the vehicles themselves, fences, gates, lampposts, mailboxes, houses, garages, sheds and similar physical assets.
What Doesn’t Property Damage Coverage on My Auto Insurance Policy Cover?
If your personal property, including your car or another automobile, is damaged, property damage coverage will not reimburse you. Instead, any reimbursements would be provided by another type of policy or insuring entity, such as collision coverage.
Alternatively, you would be required to pay yourself if you had no collision insurance, were under-insured or completely uninsured.
What Does Property Damage Coverage Cost?
Any type of automobile coverage will add a bit to your monthly or annual rates. However, you can work with a local insurance provider to figure out which amount of coverage works best for your needs. Expect to sit down with an independent agent and map out exactly what you can afford, as well as what you’ll get in return.
In Pennsylvania, you are required by law to get property damage coverage. Even if you weren’t, it would still be a wise decision. After all, property damage frequently occurs during traffic incidents, so it’s best to be prepared for anything.
Contact Us for Auto Insurance and Property Protection in Central PA
Want more information from our team of insurance experts in the Harrisburg area? Stop by a Strock Insurance location near you, or fill out our online contact form to get in touch today.
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