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Personal Auto
Property Damage Liability
Also known as: PD · PD liability
Coverage that pays for damage to other people's property when you cause an accident.
Property damage (PD) liability pays to repair or replace the other driver's vehicle, plus any other property damaged in the accident — guardrails, fences, mailboxes, structures. Illinois requires $20,000 PD minimum; Texas requires $25,000. Both are inadequate when you total a late-model truck or SUV; most policies should carry $50,000 to $100,000 PD.
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