If your car damages the property of others, whether it’s another vehicle or a building, property damage insurance will pay the claim.

If the other driver was carrying something of value in the car, and it was damaged, property damage liability would also pay for the loss. Liability limits are generally expressed as a single limit, such as $50,000 to pay for personal and property damage, or a split limit such as 20/40/15. This means you have coverage for $20,000 per injured person, up to $40,000 for everyone hurt n an accident and $15,000 for property damage. If you have a single limit stated in your policy you may spread the money around to where it is needed.