Property Damage Liability
Insurance Glossary
The part of an auto policy that pays for damage the insured driver causes to someone else's property, most often another vehicle. It also applies to fences, buildings, guardrails and other fixed objects, and it covers legal defense if a claim turns into a lawsuit. It never pays for damage to the insured's own car, which is what collision coverage is for.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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