I need help
We can provide you with skilled attorneys who are the right fit to guide you through your current situation.
Can I Solve on My Own or Do I Need an Attorney?
Got a Question?
Our FAQ section covers everyday situations—from car crashes and workplace injuries to property damage and disaster recovery. Whether you’re unsure what to do after an accident or how to file a claim, these short answers will help you take the right next step quickly and confidently.
Every U.S. state (except New Hampshire and Virginia, which have unique rules) requires drivers to carry some form of liability insurance — including property damage coverage.
Here are examples of property damage liability minimums by state (as of 2025):
| State | Minimum Property Damage Coverage Required |
|---|---|
| California | $5,000 per accident |
| Texas | $25,000 per accident |
| Florida | $10,000 per accident |
| New York | $10,000 per accident |
| Illinois | $20,000 per accident |
| Georgia | $25,000 per accident |
| Nevada | $20,000 per accident |
| Pennsylvania | $5,000 per accident |
💡 These minimums are legal baselines only — they’re often not enough to cover modern repair costs.
For example, if you cause an accident that totals another driver’s new Tesla or SUV, $5,000–$10,000 won’t even come close to covering the bill.
By law, most states require liability insurance, which includes bodily injury and property damage coverage to pay for harm you cause to others. Some states also require uninsured/underinsured motorist coverage and personal injury protection (PIP), especially in no-fault states. Other coverages—like collision, comprehensive, medical payments, gap insurance, and roadside assistance—are optional but provide added protection for your own vehicle and expenses. Always check your state’s specific insurance requirements before choosing coverage.