What outcome occurs if an insured driver does not have sufficient property damage liability coverage?

If an insured driver does not have sufficient property damage liability coverage, they may find themselves responsible for covering the costs of damages to others' property out-of-pocket. Property damage liability coverage is designed to protect the insured against financial loss when they are at fault in an accident that causes damage to someone else's property. If the damages exceed the coverage limit, the insured is liable for the excess amount.

In the scenario where the coverage is inadequate, for instance, if a driver only has $25,000 in coverage but causes $50,000 in damages, the insurance would only cover the first $25,000. The insured would then need to pay the remaining $25,000 from their personal funds. This is why it's crucial for drivers to carefully assess their coverage limits and consider factors such as the value of vehicles and property in their area to ensure they have adequate protection in the event of an accident.