What does 'property damage liability' in auto insurance cover?

'Property damage liability' in auto insurance specifically refers to coverage that pays for damage to someone else's property caused by an accident for which the insured driver is responsible. This can include damage to vehicles, buildings, and other structures as a result of a collision or incident where the insured is at fault.

The focus of this coverage is to provide financial protection for the insured against claims made by others for property damage, ensuring that the insured can cover the costs associated with those damages without incurring out-of-pocket expenses. This type of liability coverage is crucial, as auto accidents can lead to significant financial penalties if the insured is found liable for property damage.

Other options pertain to different aspects of auto insurance, such as personal injury, damage to the insured vehicle, or coverage for medical expenses, which do not align with the specific purpose of 'property damage liability'.