Property damage liability coverage protects you is you are held responsible for damaging someone else’s property in a car accident.
Property damage coverage helps you reimburse another person for their damaged property (such as a car, fence, or home). This type of auto insurance coverage also helps pay your expenses in a related lawsuit.
The amount covered by property damage liability is capped at the limit you choose when you buy your auto insurance policy. It usually pays on an ACV basis.