The component that covers damage to other cars if you are at fault is called property damage liability.
Damage liability covers any legal responsibility you may have for injury or loss to a third party, including death, property damage, and/or injury, in the case of an accident involving your insured vehicle.
It helps cover the cost of fixing any harm you do to a person's car or property. In most places, having property damage liability insurance is required by law. If you are at fault for an automobile accident that damages another vehicle or piece of property, like a fence or building front, it usually helps cover the cost of repairs.
Up to the amount of your policy limit, this insurance can assist pay for the cost of repairs in an accident. Furthermore, you should be aware that this policy does not cover damage to your own vehicle. You will require collision coverage for this reason.
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