Property Damage Coverage Arizona AZ

Reader’s Question:

Last week, my boyfriend was involved in a vehicular accident. It was just a minor accident and it was not his fault. The other driver begged not to report said incident to the police so they agreed not to. My boyfriend was paid for the damage. Now my question is, what if my boyfriend is involved in another car accident let’s say this time with a person who has no auto insurance and it is not my boyfriend’s fault. Does the property damage coverage on my boyfriend’s auto insurance policy pay for the damage on his vehicle? We are from Arizona by the way.

Mae

Scottsdale, AZ

It’s nice to hear that you’re boyfriend got involved in just a minor accident. I do hope he’s well.

As to your question, unfortunately the answer is no. Let me first define what property damage coverage is. This type of coverage only protects your boyfriend in a way that it only pays the damage that your boyfriend may cause to the other party’s vehicle or property.

In addition, if you want something that would back your boyfriend up for damage on his own car, then I would suggest getting collision coverage. This would definitely provide coverage if there is something that needs to be fixed on his vehicle if he got involved in an accident wherein it’s the other party’s fault and the other driver has no auto insurance policy.

For more information about auto insurance coverage, ask your car insurance agent in Arizona.

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