You know the saying “If you break it you buy it”? That’s where property damage liability can help. If you’re responsible for damage to another person’s property in a car accident, this coverage pays for the associated costs, up to your limits of liability. On your policy, you’ll see your limit for property damage listed as a total. That’s the max your insurance company
will cover for you. Well, Keep in mind, cars are almost always
a big ticket item to repair, and accidents can also involve surroundings, like structures and public property. Sorry, but that park bench did not come out of nowhere.