Glossary term
Property damage liability (PD)
Property damage liability (PD): Pays for damage you cause to other people's property—vehicles, buildings, fences—up to the per-accident limit.
Where this term matters
Guides and entries on this site that use the term.
Guide
What Liability-Only Car Insurance Covers
Exactly what a liability-only policy pays for—bodily injury and property damage to others—and the list of things it never covers, including your own car.
Entry
What Happens When an Auto Accident Exceeds Your Liability Limits?
Learn what happens when crash damages exceed your liability insurance limits, how personal liability works, and how to evaluate coverage options.
Entry
Liability-Only Car Insurance for Teen Drivers: When Does It Make Sense?
Evaluate liability-only insurance for teen drivers. Learn how crash risk affects liability limits, asset exposure, and vehicle choices for families.
Entry
Do You Need Uninsured Motorist Coverage with Liability-Only Insurance?
Understand why uninsured motorist coverage is essential when dropping full coverage, how state laws treat it, and what happens when hit by an uninsured driver.