It can cover property damage if you want. Remember that an SR-22 is not the insurance policy but just the filing with the State proving that you have insurance. You can have any coverage that you need and want on the insurance policy just like any other policy. Sometimes the premium must be paid in full or limited in the number of payments so a more expensive policy would make the payments more. Otherwise the insurance companies usually do not charge any more for the SR-22 than for the regular insurance policy. As a matter of full disclosure, I own and operate a small Independent Insurance Company in Central Georgia and have for the past 22 years. Prior to that I worked as an agent for a direct writer of insurance for 3 years.
Property damage liability car insurance will cover the individuals car and property that you hit. It will not cover anything to do with your vehicle if the accident is your fault.
what is a SR22
If your renters policy covers Sewer Backup then it will cover damage to personal property.
Homeowners insurance is coverage for specified property owned by the named insured. It does not cover the property of others.
If you are uninsured then of course not.
PlPD = public liability, property damage, meaning your policy will cover medical and some property damage to a vehicle or property you may have an infraction with
No. "Renters Insurance" is property coverge for a tenant. It will cover the property of the named insured Tenant or Renter that is located within the rented dwelling. It will not cover property of someone who is not a named insured on the policy.
Mother Nature would be the liable party, Unfortunately, she does not carry insurance. If your property is insured, Then your property Insurance Policy will cover the cost of damage repairs.
You will be liable for the difference.
SR22 Insurance is just Auto Insurance. So it depends on the scope of coverage you requested when you purchase the policy. The fact that you have an SR22 endoresement on your Auto Insurance Policy has no bearing on your scope of coverage.
An SR22 filing would have to accompany your Personal auto insurance policy. Personal Auto insurance "never" provides coverage for a commercial company vehicle with or without an SR22 filing.
Your home renters insurance will cover you for loss or damage to the property which you own and which is kept within your rental property. Any damage to the actual structure of the building would be covered by the landlord's insurance.