How does property damage liability differ from bodily injury liability?

Property damage liability specifically addresses the financial responsibility an insured individual has when they cause damage to someone else's property, such as vehicles, homes, or other structures. This type of liability insurance helps to cover the costs associated with repairs or replacement of the damaged property resulting from an accident where the insured is at fault.

In contrast, bodily injury liability pertains to injuries sustained by another person due to the insured's actions. It covers medical expenses, lost wages, and other related expenses for the injured party. By focusing on the property aspect, property damage liability is essential for protecting insured individuals from claims that arise when their actions lead to damage to property, rather than injuries to individuals.

This distinction highlights the different risks that each type of liability covers, ensuring that insured parties have appropriate coverage for both physical injuries and property damage.