> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Property damage liability

> What property damage liability (PD) on an auto policy pays for when you damage another driver's car or property, and why state minimums are often too low.

**Property damage liability (PD)** pays when you damage someone else's property with your vehicle — their car, fence, building, etc.

State minimums (for example, $25,000 in Ohio or $10,000 in Wisconsin) are often below the cost to replace a modern vehicle.

## Related terms

* [Bodily injury liability](/learn/bodily-injury-liability)
* [Liability coverage](/learn/liability)
* [Auto insurance](/learn/auto-insurance)

## Further reading

* [FTC — Auto insurance basics](https://consumer.ftc.gov/articles/auto-insurance-what-you-need-know)

These are independent consumer-education sources. Coverage details vary by state and carrier.

## Get a quote

Ready for coverage? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=property-damage-liability)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=property-damage-liability)


## Related topics

- [Liability coverage](/learn/liability.md)
- [Bodily injury liability](/learn/bodily-injury-liability.md)