Ways to lower your Property Damage Liability Car Insurance   

There are several kinds of car insurance policies. A property damage liability car insurance policy is among the most basic car insurance policies being sold in the market. Simply put, this type of auto insurance policy covers repair and/or replacement expenses incurred from the collision of two or more vehicles. It also covers property damage incurred from your car’s collision with any inanimate object like lamp posts or brick walls.

As in most insurance policies, you need to prove that while you’re liable for the damages, the incident was still accidental. Any damage done on purpose is usually not insurable. Insurers go through tight screening processes. Usually, only low to standard risk insurers are protected by insurance companies. Non-standard or high risk insurers may be allowed to purchase a policy, but always at higher premiums.

Auto insurance policies that cover solely property damage liability will not pay for your medical bills. You ’re going to have to purchase a different insurance policy to protect yourself from these expenses. An auto insurance policy of this kind also protects you from uninsured motorists who can’t pay for your repair expenses if they’re held liable.
Ideally, you won’t have to chase after the liable party anymore to get compensated. The insurance company will save you the trouble of paying for the damages yourself and running after the liable party later on. If you paid for a high enough compensation limit, then you won’t have to take a cent out of your pocket. The insurance company will pay for all your repairs, and chase after the uninsured liable party for payments.

How to make claims
If you’re involved in a car accident, the first thing you need to do is to stay calm. Hopefully, you’re not unconscious because of the collision with the other vehicle. Being conscious and able to take noted gives you better leverage over the other party to make claims.

You should look at the color, make, and plate number of the other vehicle. If possible, put all of these details in writing, so you will be able to make a detailed report to the authorities later on. Also take note of the speed you’re vehicle was going. If you’re not committing anything illegal, the odds are least likely to be against you.

Next, you should make an official report, using all the details you’ve taken note of, to the authorities. Only after filing your official police report should you contact your insurance agent. With the affidavit at hand, explain what happened to insurance agency. Avoid talking to companions about the accident because any “leak” of information could hold you liable for the incident, and make claiming harder on your part.
Even if the other party is hysterical, you should keep your cool. As hard as it may sound, it will pay off in the end because you’ll be able to remember things more clearly if you’re less emotional.

How it works
If you’re held liable, your insurance company will cover a portion or the whole of the repair expenses incurred from the accident. This can cover the other vehicle and your own car, depending on the compensation limit you’ve signed up for. If you’re underinsured, you might have to pay for a portion of the repair expenses out of your own pocket.