---
title: What If the Other Driver Has Insufficient Insurance for My Property Damage?
slug: san-diego-property-damage-insurance-limits
article_type: Help Article
keywords: underinsured driver, insurance limits
url: https://missionlegalcenter.com/personal-injury-resources/property-damage/
published_date: 2025-10-27T00:00:00
---

If the at-fault driver’s liability coverage does not fully reimburse your property damages, you may turn to your own collision coverage or pursue the responsible party personally to recover the remaining funds. Insurance coverage gaps necessitate careful claim management to avoid financial losses.missionlegalcenter