Also, if you are found legally liable by an investigation or by a judge, this coverage pays the damages assessed against you up to the dollar limits in your policy. Property damage liability coverage applies in these situations. Property damage coverage does not pay for the damage to your property, but pays, up to your policy limits, for the damaged property of others. If claims or lawsuits are brought against you, property damage liability coverage provides for your legal defense. And, if you are found legally liable by an investigation or by a judge, this coverage pays the damages assessed against you up to the dollar limits in your policy.
Many companies also offer higher coverage limits.
For example, with insurance from the Auto Club's affiliated Interinsurance Exchange, you can get a personal umbrella policy that will go above and beyond your regular insurance policy. It also protects you and relatives living in your household if injured in someone else's car, or by a car as pedestrians. All reasonable and necessary medical expenses are covered up to the amounts and within the time specified in your policy. This coverage is valuable if you do not have health insurance because payment will be made while liability is being determined. If you already have health insurance, you may only need coverage for expenses beyond what is provided by your primary insurance.