Property Damage Liability coverage typically helps cover the cost of repairs if you are at fault for a car accident that damages another vehicle or property such as a fence, wall or the front of a building. Property damage liability coverage usually does not cover damage to your own vehicle.
This insurance helps protect you if you cause an accident and damage someone’s property. It also covers your legal fees if you are involved in a major property damage claim and have to go to court.
Protects you from lawsuits by people who claim harm or injuries due to an accident where you're found at fault. Your policy states that the carrier will pay on your behalf up to the listed limit.
Property damage liability coverage does not cover your losses, like damage to your vehicle or the costs of your medical bills. It specifically covers other peoples’ property. If your vehicle is damaged in an accident, or if you personally need medical treatment, your optional collision, comprehensive and medical payments coverage will help cover those costs.