If you are involved in a collision where a person is injured or killed, or where $750 or more of property damage has occurred regardless who is At Fault and whether or not a police report was made, you must file an SR-1 report with the DMV within ten days of the collision.
Another View: There is no 'standard' answer to this question. Every US state sets its own rules and regulations.
Cannot be answered. Various states require differing amounts of damage.
The person's collision insurance should cover the damage to their car, and their liability insurance should cover the damage to the fence and property. If they have no collision insurance, they will have to fix their car on their own.
If you are at fault, your policy will pay for the other person's damage under your property damage coverage. If you have collision coverage, you will have to pay your deductible if you are at fault.
The penalty for vandalism depends on the value of the property damaged. If it is less than 500 dollars in damage, it a person could earn a year in jail and a 10,000 dollar fine. If over 500 dollars in damage, it could cost 50,000 dollars in fines and five years in jail.
It does not pay for your vehicle. You would have to have collision insurance. In a one vehicle accident, liability only would come into affect if you caused damage to another person's property.
Damage
Every person who was driving a vehicle involved in an collision on public/private property. It has to be filed within 10 days of collision.
If your "full" coverage includes Collision coverage then the answer is yes, or if you don't but do have Uninsured Motorist Property Damage coverage then the answer is also yes. I think some states have the UMPD listed seperately on the policy even if you have Collision coverage.
No. Unless you killed somebody's pet deer, liability insurance is no value. Liability insurance covers the damage you do to somebody else's property or person. Collision insurance covers damage to your vehicle when you strike an object or animal or when your vehicle is damaged by someone unknown, as in a hit-and-run accident.
Property damage is covered by a property liability insurance package. This applies to all incidents in which an automobile causes damage to another person's property such as a fence or house. If you do not have property liability insurance, the driver is responsible for covering the damages out of pocket.
Property damage liability is the coverage section of your liability auto insurance that will pay for physical damage to the vehicle or other property of another person if you are At Fault in an auto accident. This coverage would pay for repairs of the person's car or whatever else is damaged.
Property damage liability is the coverage section of your liability auto insurance that will pay for physical damage to the vehicle or other property of another person if you are at fault in an auto accident. This coverage would pay for repairs of the person's car or whatever else is damaged.
So I'm assuming you don't want coverage for damage to your vehicle if it were in an accident. Then your probably just going to need Property Liability & Property Damage Coverage. You wouldn't need to carry comprehensive or collision coverage. I'm from Michigan and we are a NO Fault Insurance state. So in my state most people call it PLPD. In Michigan, this is going to give you liability damage and property damage but no coverage for your vehicle itself. Usually states have minimum coverage that is mandatory. In Michigan, the state minimum is is 20,000 Bodily Injury per Person / 40,000 Bodily Injury Per Occurrence and 10,000 Property Damage. The Bodily Injury covers injuries to the other party and the Property Damage covers the damage to the other person's vehicle. You also are required to have PIP coverage in Michigan, which is Personal Injury Protection which is unlimited. This coverage is your "Medical" coverage. Hope that helps...