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What's the difference between property damage and personal injury protection?
Do both property and personal injury coverage protect me in an accident? Both are required in Maryland, but I don't know what the difference is.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“The main difference between
property damage liability
and personal injury protection is that property damage covers things while personal injury protection covers people.The purpose of property damage liability is to cover the property of other people when you’re at fault in an accident. This includes damage to a vehicle or other property, like a fence. It does not cover damage to your property or vehicle.
Personal injury protection
provides medical coverage for you or your passengers if you’re injured in any type of car accident. It also can cover things like:- lost wages
- health care deductibles
- health care copays
- funeral expenses
Both are required in Maryland as part of the
state’s minimum car insurance
requirements. The minimum amount of property damage liability you’re required to carry is $15,000. The minimum amount of personal injury protection is $2,500.”View full answer
- Gregory R.
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