NYC Auto Insurance » State Insurance Department http://www.sr22newyork.com NYC - DUI - Teen Driver - Seniors - Bad Credit - Good Drivers Mon, 25 Jan 2010 14:13:08 +0000 en hourly 1 http://wordpress.org/?v=3.0.1 Property Damage – What is The Insurance Company Definition? http://www.sr22newyork.com/property-damage-what-is-the-insurance-company-definition.html http://www.sr22newyork.com/property-damage-what-is-the-insurance-company-definition.html#comments Thu, 30 Oct 2008 03:17:43 +0000 author http://www.sr22newyork.com/property-damage-insurance-coverage-queens-new-york-ny.html Reader’s Question:

I live in Queens, New York. What is the definition of “Property Damage” here in my state?

Karen

Queens, NY

According to the New York Insurance Law, Property damage Liability insurance is defined as insurance against legal liability of the insured, and against loss, damage or expense incident to a claim of such liability, arising out of the loss or destruction of, or damage to, the property of any other person, but not including any kind of insurance specified in paragraph thirteen, fifteen or twenty-eight of this subsection.

So if your vehicle is damaged in a car accident and it is the other drivers fault then, you may be able to place a car insurance claim against that other party’s car insurance policy for Property Damage Liability. According to the New York State Insurance Department you may also go to court against the other driver for property damage.

If you want to get more information on the specific definition of terms of a New York State Property Damage Liability coverages you may contact the New York State Insurance Department.

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