Collision Glossary

Property Damage Liability

Pays for damage to the other driver's vehicle to the limit of your policy. There are three numbers when you buy liability coverage. They represent the liability limits (in thousands of dollars) for; per-person bodily injury, bodily injury for all persons injured in any one accident, and property damage liability. Most states require a minimum amount and insurance companies offer the option to purchase more. For example 25/50/15 means that your policy will pay up to $25,000 per person who is injured, up to a total of $50,000 for all injured in the accident and will pay up to $15,000 in property damage. If the cost of bodily injuries, or the cost of damage to property exceeds those amounts, you are responsible for the amount not covered by your insurance.