What damages will the at-fault person’s property damage liability coverage pay? There are several things. First, you must determine whether the extent of the damage exceeds the fair market value of the vehicle. If so, then the vehicle will be deemed to be a total loss. For example, if the cost of the repairs is $5,000 and the vehicle’s fair market value is only $2,000, the insurance company is never going to be required to pay $5,000 in this claim. Instead, the focus is on determining the vehicle’s fair market value. If the extent of the damage does not exceed the fair market value of the vehicle, then the insurance company will generally pay for the necessary repairs. In addition, the insurance company will generally pay the reasonable towing and storage charges. Please make sure that you don’t contribute to any delay in allowing the insurance company to move your vehicle to a storage-free location. Otherwise, you will find yourself fighting with the adjuster on the payment of excessive storage charges.