# Auto insurance: property damage limits

**URL:** <https://community.clark.com/t/auto-insurance-property-damage-limits/815>\
**Category:** Uncategorized\
**Created:** [June 24, 2022, 12:15am UTC](https://community.clark.com/t/auto-insurance-property-damage-limits/815 "2022-06-24T00:15:11Z")\
**Posts on this page:** 4\
**Page:** 1

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**Author:** ![Al\_Scott](https://avatars.discourse-cdn.com/v4/letter/a/a587f6/32.png) [@Al\_Scott](https://community.clark.com/u/Al_Scott)\
**Post date:** [June 24, 2022, 12:15am UTC](https://community.clark.com/t/auto-insurance-property-damage-limits/815/1 "2022-06-24T00:15:11Z")

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Please make sure that you have adequate property damage limits, as well as adequate liability limits.

Our 2013 Toyota Venza was parked on the street, when a 2020 Tesla sideswiped my car. The Tesla owner has only $20,000 property damage limits. My was was totaled and valued at over $20,000. Imagine if the driver was in a two or three car accident. He would be terribly underinsured!

I have to claim on my policy under the uninsured/underinsured. My company will cover the loss and go after the Tesla owner to be reimbursed.

Be sure that you are also covered for uninsured/underinsured coverage under your policy.

I thought since the guy had a Tesla, he had plenty of insurance! Wrong, I was glad I was properly insured.

PS: It’s months to get a new Toyota Venza! So we will be without a second car for months! Look forward to a new Venza with all the fancy safety features!

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**Author:** ![RasputinII](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/rasputinii/32/334_2.png) [@RasputinII](https://community.clark.com/u/RasputinII)\
**Post date:** [June 24, 2022, 2:29am UTC](https://community.clark.com/t/auto-insurance-property-damage-limits/815/2 "2022-06-24T02:29:41Z")

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A million dollar umbrella policy is cheap.

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**Author:** ![Kirkwood500](https://avatars.discourse-cdn.com/v4/letter/k/c89c15/32.png) [@Kirkwood500](https://community.clark.com/u/Kirkwood500)\
**Post date:** [June 24, 2022, 7:07am UTC](https://community.clark.com/t/auto-insurance-property-damage-limits/815/3 "2022-06-24T07:07:34Z")

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So sorry for your trouble and you are totally correct. Gotta have uninsured/underinsured coverage.

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**Author:** ![clarked](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/clarked/32/148_2.png) [@clarked](https://community.clark.com/u/clarked)\
**Post date:** [June 26, 2022, 10:54pm UTC](https://community.clark.com/t/auto-insurance-property-damage-limits/815/4 "2022-06-26T22:54:33Z")

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Limits are only part of the puzzle, getting the insurance companies to pay up is the fun part.