It may be embarrassing to run over your neighbors rosebush, fence, maybe even their doghouse, but afterward the question is – who pays for it?.

When searching for car insurance quotes having Property Damage Liability included in your car insurance policy covers any damages that you might cause to another vehicle or property. Legal defense expenses can also be included if a lawsuit is filed as a result.

It is important not to set your limits so low that you leave yourself at personal risk if the expenses exceed your coverage. This could result in financial catastrophe for you, as you could be forced to satisfy the expenses from your personal assets.