Does PDL insurance cover repairs to your car if you were at fault in the crash?
PDL insurance does not cover repairs to your car if you were at fault in the crash. PDL (property damage liability) insurance is liability coverage that pays for damage you cause to another person’s property, such as their car or building, if you are at fault in an accident.
If you were determined to be majority or fully at fault in the accident by your insurance company, PDL insurance will not apply to the repairs needed for your car.
Comprehensive and collision coverage can be used to pay for damage to your own car.
PDL also does not cover injuries to anyone involved in the accident – that falls under bodily injury liability coverage.
The “no-fault” aspect in Florida relates to personal injury protection (PIP) coverage and medical payments – it makes your own insurer cover injury claims up to a certain limit, regardless of fault.
If you have questions about your insurance coverage or feel that your insurance carrier is denying a valid insurance claim, call for a free consultation with an insurance bad faith lawyer.
