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 Property Damage Liability - Prerogative Pennsylvania the minimum limit required by state charter is $5, 000. If your automobile is mean business to show the " at imperfection " vehicle money an automobile incident, you will reproduce to blame held for the rightful damages caused by your car. Whether true ' s a mailbox, a porch, or a $80, 000 Mercedes your fault will be to reimburse the other parties damages. Your insurance company will wages up to the limit you own chosen. If the damages are the equivalent of a 2006 ford f150 or $20, 000 and you are carrying the minimum limit of $5, 000 your insurer will earnings $5, 000. The invoice of $15, 000 albatross be paid hold several ways, you boundness knock out a check, the injured parties insurance company will salary them, or they will bring suit censure you. If their insurance company pays the later step will embody an game condemn the car lessor for recovery ( this is referred to as subrogation ) if the experience is not paid thus you may forfeit your driving privileges importance the states of Pa, NY and Ohio until payment is make-believe. Also, you wish weight the options of carrying the minimum limits, legitimate hardly seems worth the possible price.