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Florida Car Insurance 101: What Is Property Damage Liability Coverage?

Property Damage Liability Coverage FLFlorida law requires that each driver purchase at least $10,000 of property damage liability coverage. This is the coverage that will pay for the damage to another’s car in the event that you are at fault in a collision. Even though Florida law only requires that you purchase $10,000, it is probably a good idea to purchase more since many cars on the road are worth more than $10,000.

The reason it is called “property damage liability coverage” is that the insurance company is saying that if you are held liable for property damage that you cause, then the company will pay for that liability up to the dollar amount purchased by you in the policy.

The term “property” includes, for example, a fence, telephone pole, or building, as well as another car.

Coverage applies even if you drive someone else’s car. Depending on the terms and conditions of your policy, it may also include anyone else who uses your car with your permission.


If you have questions about property damage liability coverage, feel free to reach out to us at or 855Hirejoe.

Joe Zarzaur is a Board Certified Civil Trial Attorney whose firm is dedicated to promoting community safety since 2007. ZARZAUR LAW’S AREAS OF PRACTICE: Serious Personal Injury, Product Defect, Auto Accidents, Cycling Accidents, Motor Vehicle Accidents, Products Liability, Wrongful Death, Community Safety, Boat and Jet Ski Accidents, Slip and Fall Injuries, and more. Licensed in Alabama and Florida.

It is also important to consult with a Board Certified Trial lawyer who has the knowledge and experience to help you. We know accidents can be stressful and want to make the process as easy as possible for you. Call Zarzaur Law, P.A. today at (855) Hire-Joe for a free legal consultation or visit