PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
If I caused $15k worth of property damage but have a $10k coverage limit, am I responsible for the difference?
"I was testing the limits of my car and crashed into a parked vehicle. If the amount of damage exceeds my coverage limit, do I still have to pay?"
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“You are technically responsible for the difference, though you might not have to pay. If the other driver has
underinsured motorist coverage
, that could cover the difference between your policy limits and the cost. They might also choose to use their comprehensive insurance
to cover the cost of repairs. In the future, you might look for a policy with a higher limit. You can shop different types of insurance with the top 45 companies using the
Jerry
app.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies