If you cause a car accident, you may be responsible for paying for any damage your car causes to someone else's property. The amount you have to pay depends on the state you live in.

Property damage liability insurance can help protect you from financial ruin if you're in an accident and damage someone else's property. You can usually choose how much coverage you want, but there may be a minimum amount required by law.

Summary:

Property damage liability insurance is an important part of your auto insurance policy. It can help protect you from financial ruin if you cause an accident and damage someone else's property.