Add an answer. It is illegal to make a right turn when a traffic light is red. Please remember, the AmEx insurance does not cover if the car is driven off-road. 3. Discounts and their availability may vary by state and eligibility requirements. File a Claim. 5 days ago · Drivers are also required to carry proof of insurance which must be shown at the behest of any law enforcement official. Extended coverage options include physical damage, theft, liability, vandalism, partial theft, medical payments and more. If you have State Farm auto insurance with full coverage, it extends to covering you when renting a car for personal use . Jun 21, 2024 · 6. However, the renter is responsible for paying an excess (aka deductible, or damage liability fee) that can be as high as $8,500 (AUD; around USD $6,250) for four-wheel drive or luxury vehicles. So, before you hit the road south of the border Dec 28, 2023 · The Gotcha with Rentals Car Insurance in Mexico. You’re only covered within the limits Nov 3, 2023 · Are you planning a trip to Mexico and wondering if your State Farm insurance covers rental cars? Well, the answer is not as straightforward as you might think. The limit could be a total amount, like $900, or a set amount of $30 a day up to $900 Jun 24, 2024 · U. However, it does not cover injuries you may suffer Apr 21, 2015 · Check with AmEx to make sure their additional insurance covers Spain. Based on our sample policy, which is for a townhome in Naperville, Illinois, that has . This type of policy helps pay for medical bills and car repairs if you're involved in a car accident while driving your vehicle with U. 93 per day. policy through State Farm, your coverage should extend to any car you rent. The dirt-cheap Mexican car rental rates don’t include insurance, which can triple Jun 24, 2024 · In Italy, you must drive on the right. 00 and $40. Feb 29, 2024 · 1 Your coverage options for rental cars in Spain. The rental agreement you sign is a third contract. Schedule an Appointment. coverage will apply to a rental car driven in Canada, regardless of whether you picked it up in the U. However, each insurance policy is unique, and you should always check with your Farm Bureau agent prior to renting a car. It's the deductible for damages to the car you need to worry about. Does my car insurance cover a rental car to replace my damaged vehicle while it’s being repaired? Jun 29, 2008 · At $19. You’ll get the same amount and types of coverage When you rent a car with Sixt in Mexico, we offer a Third-Party Insurance at check-out. Rental car companies often offer their own insurance products at the rental counter, including a collision damage waiver, liability Aug 16, 2023 · Plus, if you rent a vehicle using a credit card, you likely get free physical damage coverage — but not liability coverage — as a perk from your credit card company. 1. Covers types of damage that the rental companies exclude. If you rent a car in Mexico, you can buy auto insurance at the rental counter agency. Before you hit the road, there’s one more thing to do: Use your Texas Farm Bureau membership to receive discounts on rental cars from top companies. More specifically, GAP insurance will cover that difference in the case of a total loss and theft, but it will not cover deductible costs. Jan 24, 2024 · No, you do not need rental car insurance in New Mexico. ∙ 11y ago. To find out more about coverage options on your USAA-issued credit card, contact us at 844-288-2141. Mexico Auto Insurance. The average daily cost for third party liability coverage for a vehicle valued between $15,000 to $30,000 is between $15 and $20 per day. 20 per day). Covers accident-related fees. Mar 16, 2023 · Absolutely, but fortunately, your U. Many agents are not clear about this, but your coverage includes STJ with State Farm. If you have a standard auto insurance policy, it typically includes liability coverage, which may apply to a rental car as well. 00 per day but depends on your vehicle, type of coverage, and the desired length of your policy. It’s advisable to review the auto insurance policy terms and consult with a State Farm agent for clarification on coverage details regarding rodents covered by insurance. iv You’ll have to pay the excess when your car is damaged. Find your Sep 20, 2021 · Your US Insurance Is Not Valid In Mexico; Mandatory Car Rental Insurance in Mexico; Additional Rental Car Insurance in Mexico Explained; What If You Decline Additional Coverage; Damaged Rental Car in Mexico; Without further ado, let’s jump into the guide! In order to drive in Mexico, it is required that you have an accepted policy in place. However, it is important to note that if your rental car is more expensive than the car you insure, you should consider additional protection. Car Business means a business or job where the purpose is to sell, lease, rent, repair, service, modify, transport, store, or park land motor vehicles or any type of trailer. Now, the law requires proof of Mexican Liability Insurance at all times when driving on federal roads and bridges. S. Jun 2, 2020 · The length of time rental car reimbursement coverage pays for your rental car expenses depends on your auto insurance policy. State Farm goes beyond standard rental car coverage and offers enhanced rental car coverage. Call (855) 596-3655 to speak with a licensed insurance agent and get quotes for car, home, or renters insurance. If you are unsure what your State Farm policy covers, always double Jun 3, 2019 · Test-drive the car around the parking lot. This coverage provides a maximum of $20/day for a maximum of 30 days for a rental car in the event of a covered Collision or Other than Collision loss. Even if you already have insurance coverage from your country through your credit card or another source, it is still mandatory to purchase the liability insurance when Familiarize yourself with the real prices of a rental car in Mexico are before you book a reservation (roughly $30 a day for an “economy” vehicle), and use that price when budgeting for your trip. deductible on my personal policy). Want this question answered? Be notified when an answer is Short answer: as long as you are in a rental due to a covered accident, your own (State Farm) auto insurance will respond in the event of an accident. Other reputable insurance providers offer rental car coverage, and you can compare their policies and rates to find the best fit for your requirements. 1 Third-Party Liability – Mandatory when you hire a car in Spain. Drivers are usually required to be at least 25 years of age in order to rent a car in Mexico. State Farm does cover Turo. Liability: bodily injury and property damage up to $500,000. This is probably the simplest option Feb 14, 2024 · Here are key points about Allstate’s rental reimbursement: Covers up to $30 per day, $900 max – Allstate will reimburse you up to $30 per day for a rental, up to a maximum limit of $900 per covered loss. for the triple whammy :), our Travel Insurance through CSA covers the Feb 6, 2022 · Typically, your U. Jul 8, 2022 · Low cost Mexico car insurance companies. This is basic personal liability insurance that will satisfy the mandatory insurance requirement. However, if you drive across international borders or move to another state, you should update your car insurance company. Keep your license valid for at least six months from the issue date of your IDP. But your personal car insurance only extends coverage to rental cars for Aug 29, 2023 · To drive legally in Mexico, you need at least third-party liability coverage (property damage and bodily injury liability) with the following limits: $50,000 MXN pesos (about $3,000 USD) for property damage. 1 in our Cheapest Homeowners Insurance Companies of 2024 rating. Because of reciprocal laws between the two countries, Canada honors your U. Your good neighbor is here to help with home, auto, life insurance, and more. Make sure to add roadside assistance to your plan to maximize your protection while driving south of the border. State Farm Indemnity Company. and Canadian drivers in Mexico. Oct 12, 2022 · Yes, your car insurance covers you when you drive to other states in the U. Jun 14, 2024 · A Mexican car insurance policy cost between $2. Don't pay for extra insurance if you have your own. Liability insurance from the INS is mandated by law, but provides only minimal coverage. Federal Police will enforce this law and drivers caught without coverage will face fines starting at $200 U. State Farm does not discriminate against peer-to-peer car-sharing platforms such as Turo. • 5 mo. However, you need to insure your credit cards will provide adequate coverage. Location: before giving full reliance on the state farm insurance, do well Our State Farm DOES cover the Jeep in STJ. If you rent the car in Canada, you may be able to purchase coverage to 6 days ago · Allstate ’s “Mexico Tourist Auto Insurance” program partners with Mexican auto insurance companies to provide coverage south of the border. It is between you and the rental car company and may require many things that neither your auto insurance nor credit card cover. If you or any other insured plan to drive in Mexico, then auto insurance providing coverage in Mexico should be purchased Jun 9, 2023 · Yes, State Farm Covers Rental Cars. Dec 6, 2022 · Does state farm insurance cover a rental car for any state you rent a car in? Updated: 12/6/2022. retail. Sep 7, 2023 · American Express cards can provide primary rental coverage, but you have to enroll and there's a flat rate of $19. Not all vehicles or drivers are eligible for discounts. 4 Optional Add-ons when you rent a car in Spain. Medical payments for the insured and passengers. Your current driver's license from your home country is accepted for driving in Mexico (make sure it's still valid before your trip). 2. And finally. All passengers must wear seatbelts. The coverage extends to cars in the U. Jerry compares car insurance policies, loans, and repair costs and gives you incredible rewards just for driving. Specifically, if you have State Farm auto insurance with full coverage, it extends to covering you when renting a car for personal uses. Car insurance quotes to fit any budget. Secure. Note for Progressive policyholders in Texas: Coverage for physical damage to insured vehicles is available for Progressive's Texas policyholders who make occasional trips into Mexico within 25 miles of the border. For State Farm, I believe most (if not all private passenger) policies for them will transfer to a rental vehicle. Ask AutoSlash for a Quote on a Cheap Car Rental. Mexican Federal Liability Law also applies to rental cars. This additional coverage comes with several benefits that can further protect you during your travels. for Insurance in Albuquerque, NM. State Farm County Mutual Insurance Company of Texas. a pickup truck, van, minivan, or sport utility vehicle: while not used for: wholesale; or. Have a Friend Add You. Jul 5, 2024 · When you file a claim for rental reimbursement, your insurer will extend coverage up to your coverage limits. Many people have used their credit card for extra insurance coverage. 2 Collision Damage Waiver. Use your travel credit card as much you can. UPDATED: May 24, 2024 Fact Checked. If you have an ordinary auto insurance policy with State Farm, then your policy will cover you when renting a vehicle. In that case, you have a couple of options for insurance coverage, including a temporary add to the car owner's insurance plan. You can add cheap Mexico car insurance from these companies starting at just $35 per month. you're in good hands®. Jun 4, 2020 · Mistake #4: Forgoing Insurance On Your Iceland Car Rental. You can personalize your quote online or contact an agent to help you create a Personal Price Plan® of insurance coverage that is affordable for you 1. Buying rental car insurance in the country you're visiting is your best option for affordable auto insurance that covers you when driving abroad. You must carry ID, car rental, and insurance documents in the car as well as a warning triangle, reflective jackets, and headlamp beam deflectors. Cancel anytime up until vehicle collection. After all, you want to Car insurance quotes to fit any budget 1. New car insurance customers report Jul 16, 2024 · As mentioned earlier, State Farm is No. Read on to find the fine details you don’t want to miss. Liability coverage typically extends to your rental vehicle as long as it’s driven within the United States We pay 98% of claims within 3 business days. No, you don't need rental car insurance to rent a car -- but there are some things to consider. This coverage is required by law in Mexico and is not included in your regular auto insurance policy. 05%. ago. In this article we discuss the full extent of insurance drivers should have, and when it may be better to go with the rental Actual annual premiums for Renters insurance will vary depending on coverages selected, amounts of coverage, deductibles, and other factors. get a quote. State Farm will dispatch one of their preferred local glass vendors to handle your Mar 23, 2024 · The rental car company will offer a Loss Damage Waiver (LDW) or Collision Damage Waiver (CDW), that may cost more than $20 per day in most states. And if you own your own car and have Farmers Auto Insurance for your primary car, there’s a decent chance that you don’t need any more coverage. The blood alcohol limit is 0. Whether it's a combo of car, homeowners, and life insurance, or basic coverage for your ATV or RV, State Farm is here with insurance that fits your needs. Full coverage was more expensive. What to know about Mexican car insurance Most United States auto insurance policies are invalid or very limited in Mexico. Perhaps you're not planning on renting a car at all, and you'll instead be borrowing a friend's or family member's vehicle while you're in Europe. or Canada. 60 - MX$181. But Mexico has a mandatory insurance requirement that makes declining coverage a potential minefield. You should call a State Farm agent at 1-800-782-8332 to check that your coverage applies to your rental, but in most cases, it will. Jul 16, 2024 · Yes, State Farm car insurance covers rental cars. But, there’s a hitch. It may also provide coverage in excess of your insurance coverage, if the cost of damages caused by your vehicle is higher than your policy limits. Rental car companies carry comprehensive insurance to cover damage to the rental car. This helps you get familiar with the car while checking the brakes. However, it is important to note that State Farm will cover you up to the limits of your Fortunately, you can rely on Oscar Padilla Mexican Insurance, a trusted provider of car insurance valid in Mexico. 95 per rental period depending on the coverage you select (less in 10 reviews. State Farm Mutual Automobile Insurance Company. But all rentals in Europe (or in most countries, anyway) already include liability insurance. , there are two types of car rental insurance in Mexico: collision damage and liability. If you have any questions about your rental car insurance, call your Texas Farm Aug 25, 2022 · Indiana Farm Bureau Insurance’s Personal Auto Policy contains something called Transportation Expenses Coverage, which is commonly known as rental car coverage on the base policy. This generally includes most cars, SUVs, trucks and even some rental moving vehicles. Get the process started by filing a claim via State Farm’s website, mobile app, contacting your agent, or calling 1-800-SFCLAIM. Loss of use is often included in the rental contract and this is generally not covered in your auto or credit card coverage. Bloomington, IL. Jan 22, 2024 · State Farm also offers rental car reimbursement coverage, which helps pay for the cost of a rental car while your personal vehicle is being repaired for a covered claim. Rental agencies offer supplemental programs that cover deductibles and contingencies other than a simple Feb 10, 2018 · 02/10/18 01:15 PM. Wiki User. If you have a State Farm auto policy, it will extend to your Turo rentals. The Mexico insurance offered through IIG does not cover rental vehicles in Mexico. pick up or delivery; and. In fact, a rental car agency in the U. Oregon Customers: State Farm does not offer discounts related to wildfire risk mitigation actions in rating. Your car insurance may cover a rental car while yours is in the shop if your policy includes rental May 8, 2023 · In many cases, your personal car insurance policy extends coverage to rental cars. ZIP Code _____. Choose coverage from one day to one year. $25,000 for bodily injury per person. The Master Card we use also covers us. Apr 29, 2019 · Auto insurance from Erie Insurance is designed to suitably protect you and your family for incidental use of a car that’s not your own, such as a short-term rental of less than 45 days. Free. Mar 26, 2024 · Yes, you can rent a car without having your own car insurance. According to the Agents we talked to, below are some of the conditions that determine whether or not State farm would cover Turo. 8. This coverage may not apply if your car is having routine maintenance done. no. If you plan on driving to Mexico or renting a car while you’re there, Mexico Auto Insurance from State Farm can provide liability coverage in case of an accident. An IDP application can be obtained online or through the mail. For a one-week stay, GNP Seguros quoted our sample driver a rate of $70 for $500,000 of combined single loss liability coverage. We pay 98% of claims within 3 business days. Jun 16, 2024 · Your car insurance may cover a rental car if your policy includes rental reimbursement and the repair is due to a covered incident like an accident. Pay very close attention to who is legally allowed to drive your rental, and list anyone who might be. For example, if your rental car sustains $1,000 in damages and you have a $500 deductible, you will be responsible for paying $500 out of pocket, while State Farm will cover the remaining $500. Jun 17, 2024 · A deductible is the amount you are responsible for paying before your insurance coverage kicks in. Also covers key loss. insurance, and vice versa, in the event of an accident or claim and to meet insurance requirements. Applies during repairs – If your personal car is damaged in a collision, theft, or other covered event, rental reimbursement helps pay The driver's insurance is secondary and may cover some personal injury or medical expenses. Fungi means any type or form of fungus or fungi and in-cludes: Byproducts. If you have a personal car insurance policy Protect your life and loved ones with State Farm insurance in Mexico, MO. 95 or $24. Includes free cover for roadside assistance, towing (saves you MX$88. Apr 22, 2023 · Consider the following coverage options when traveling abroad: Personal Liability Insurance from the Rental Car Company: If traveling abroad, it may be best to buy personal liability insurance from the rental car company. Below you can see the minimum insurance limits as prescribed by the state of New Mexico as well as a breakdown of how this coverage works. A truck-tractor designed to pull any type of trailer. Nov 3, 2023 · Wondering if State Farm covers rental cars in Mexico? Get the answer to this question and more! Read on to learn about State Farm's insurance policies. This coverage is not to be confused What is Mexico tourist auto insurance? Mexico tourist auto insurance is a car insurance policy, separate from your domestic policy, that helps cover U. Okay, we will be the first to fess up that in the past we didn’t normally get car insurance. 7M+ policies and growing. The USD prices are based on a $17 MXN exchange rate. Rental reimbursement coverage in your State Farm policy can help cover the cost of renting a car during a covered claim repair, typically between $16 to $50 per day with daily and total maximum limits in effect. Get Auto Insurance in New Mexico. The Border Zone ends approximately 12 to 16 miles from the northern border of Mexico, with Can State Farm help a policyholder pay for a rental vehicle? State Farm Car Rental and Travel Expenses coverage can help cover the cost of a rental while your car, or a newly acquired car, isn’t drivable or being repaired as a result of a covered loss. 00 per day is worth it. Jul 15, 2024 · The answer is Jerry, America’s first AllCar™ app. When it comes to renting a car, accidents and unexpected incidents can happen. Take pictures (even videos) of the car, every scratch, bump, chip, and check the gas. Check with your agent to confirm your actual Mar 20, 2023 · Your Canadian policy will not cover you there,” says Arnold. If you are looking for an easy and reliable way to purchase car insurance for your trip to Mexico, the GEICO Oct 1, 2023 · The mandatory car rental insurance in Mexico is Third Party Liability insurance, as required by Mexican law. Be at least 18 years of age and hold a valid driver's license issued by a state or territory of the United States; and. This is a HUGE MISTAKE, especially when renting a car in Iceland with crazy windstorms and slippery roads. Renting a car in Mexico without this insurance is not possible. In fact, many countries – particularly in Europe – bundle the costs of insurance with your ordinary rental car rate. Oct 9, 2023 · Your personal car insurance generally covers rental cars with the same coverage limits and deductibles as your policy. Avoid unnecessary complications and safety risks and stay safe by contacting us. The average cost of rental insurance is $19/day. Apr 2, 2024 · Get Mexican car rental insurance. Mexico Auto Insurance from State Farm can also provide May 7, 2024 · Enhanced Rental Car Coverage from State Farm. You will need a credit card to make a security deposit on the vehicle. However Mar 5, 2024 · Here are the steps to get your windshield replaced through State Farm insurance: 1. If you plan on renting a Jeep and drive in the wilderness, AmEx might not cover the damage. Aug 23, 2018 · yes. This will waive repair costs if the car is damaged or stolen, and would reimburse costs for towing the vehicle, among other things. 9 years ago. a car of the private passenger type, other than a pickup truck, van, minivan, or sport utility vehicle, de-signed primarily to carry persons and their luggage; or. While certain coverages may apply in Mexico if the loss occurs within 50 miles of the U. If you have full coverage car insurance, you should be covered behind the wheel of a rental. Re: Rental Car Liability Coverage in Aruba. If you Nov 22, 2022 · The simple answer is Yes. border, this policy does not provide auto insurance coverage in Mexico and does not comply with Mexican auto insurance requirements. Reviewing your policy’s deductibles is vital to Jun 24, 2024 · Though State Farm doesn't technically offer travel insurance, it does offer rental car insurance and some coverage for travel expenses if your covered car is not drivable more than 50 miles from May 24, 2024 · The best auto insurance when traveling to Mexico comes from Progressive, Geico, and State Farm. If you don't have an auto policy with USAA, contact your current provider for coverage details. Chronos_Fox. Learn more about it for the next time you get a rental. State Farm extends the same coverage on your personal policy to your rental car. Dec 27, 2023 · After all, at $20-$30 a day, it can nearly double that good rate you found online. If you plan on needing auto insurance coverage in Dec 31, 2019 · Documents and Other Requirements. might even be able to provide the Yellow Card insurance ID Canadian authorities require. Your US auto insurance doesn't mean much in France. 4. We offer different levels of coverage depending on your travel needs and enable you to get a policy online, saving both time and effort. There is a weight restriction Mexico car insurance is priced competitively and offers short and long-term options that can be easily customized. If you add rental reimbursement to your policy, State Farm will pay about $16 to $50 per day toward the cost of your rental, up to $1,200 per claim. Includes free cover for roadside assistance, towing (saves you MX$90. Select a Product. or Canadian plates in For Auto-Owners policies, we extend coverage to rental vehicles that weigh 26,000 pounds or less. Explicit Exclusions : Always read your policy carefully. When you’re renting a car at the airport or at another rental car location, you will be asked whether you want to add insurance to your rental or if you want to waive the insurance. Farmers auto policies cover most types of rental vehicles, including passenger cars, pickup trucks and SUVs. The first time we went, it took 3 calls to confirm our coverage extends to the territories. Switch and save an average of $649 2 from a company currently serving 87. Rental car insurance covers you when you rent a vehicle directly from a rental car company, such as Enterprise Rent-A-Car. Minimum liability coverage: 25/50/10. "When you have someone you employ, such as a nanny or a nurse, who will be a regular, additional driver in GAP insurance typically covers the difference between the remaining value of your vehicle loan or lease and your vehicle’s actual cash value at the time of the incident. Check out what liability insurance your rental car company offers as part of the rental fee. My company covers it as liability (no deductible) but most would require payment of your deductible if there was damage to the rental. 5687 posts. We used AmEx in France for primary coverage at $18 for the entire rental (signed up for the coverage in advance) We often rent in spain and rely upon the visa card insurance to cover this issue. Costa Rican Rental Car Insurance Explained (Sort Of) Auto insurance in Costa Rica is a government monopoly of the INS ( Instituto Nacional de Seguros ). When renting a car, there are three main risks to Mar 23, 2023 · Yes—but depending on your coverage limits, you may need to purchase additional coverage through the rental car company. This can vary between insurance companies, but from what I remember, this is a standard practice for State Farm unlike others where you pay for this option. 5 helpful votes. May 25, 2024 · State Farm’s auto insurance policies may offer coverage for damage caused by rodents to cars, depending on the specific coverage options selected by the policyholder. car insurance will cover you. You can create affordable insurance with a Personal Price Plan® just for you 1. Learn about our editorial standards and how we make money. State Farm® offers many coverage options, from auto insurance for teen drivers to rental cars and more. Are you planning a trip to Mexico and wondering if your State Farm insurance covers rental cars? This is a common concern for many travelers. Yes, State Farm car insurance does provide coverage for damage to rental cars. Contact your credit card provider or rental agency to find out more about their coverage options. In case of an accident, this covers personal injury claims or material damages you cause to the other driver. I wonder if the LDW of $10. Richardson, TX. 95 I use this to cover my collision damage (since I have a $500. Simple. While State Farm does provide coverage for rental cars in the United States and Canada, their policies may differ when it comes to Mexico. Get a free renters insurance quote from State Farm with our simple online tool. $100,000 MXN pesos (about $6,000 USD) for bodily injuries 1. The best car insurance company in Mexico for low-cost coverage is GNP Seguros. Just like in the U. You can be asked for proof of insurance at checkpoints, border crossings, or traffic stops . Policygenius content follows strict guidelines for editorial accuracy and integrity. auto insurance will cover you when driving abroad, but usually only in Mexico and Canada. 3 Full Insurance (Todo Riesgo) or car hire excess insurance. 7. Allstate Mexican Tourist Auto Insurance coverage includes: Physical damage and theft. According to an Experian article, the maximum number of days your Yes. Planning a trip out of the country? Here are some things that are important to know about car insurance if you are driving outside the United States. If you cause an accident while driving the rental car, your liability insurance may help cover the damages you're legally responsible May 31, 2024 · Auto Insurance. That said, it’s a good idea to check with an insurance advisor like an ERIE agent beforehand since auto A: The following information relates to Farmers auto policies — policies issued by other insurance carriers may have different coverages, and you should check your policy terms. New car insurance customers report savings of nearly $50 per month 2. The State Department, also recommends obtaining IDPs from an American Automobile Learn how State Farm can help you with rental car services and reimbursement when you file a claim with rental coverage on your policy. 96 - MX$177. UPDATED: Jun 24, 2024 Fact Checked. If you have full coverage car insurance, for example, then your rental car will have full coverage car Jan 17, 2024 · If State Farm’s rental car coverage doesn’t meet your needs or if you don’t have an existing State Farm auto insurance policy, several alternative options are worth considering. “Most standard personal auto policies automatically include Canada in the ‘policy territory Rental agencies may offer coverage. Covered up to the policy limit for each individual incident. With PriceProtect™, compare car insurance quotes from more than 50 top insurance companies at lightning speed—we’re talking seconds. State farm does cover Turo, alongside some other P2P car-sharing companies, provided some conditions are satisfied. As a licensed broker, Jerry has all Oct 28, 2023 · For example, if your car is damaged by a renter or during the rental period, your State Farm policy might not cover the repair costs. Additional drivers on the rental agreement are automatically covered. Rental reimbursement. Rental car companies in New Mexico provide the minimum state-required liability insurance coverage: $25,000 in bodily injury liability insurance per person ( $50,000 per accident) and $10,000 in property damage liability coverage per accident. an xu cf ni ma ry je sa wi dv