What Does PD Stand For In Auto Insurance? 
`` PD '' refers to property damage or physical damage that is caused to the property of another , as a result of your negligence in a vehicle related accident . It is your liability coverage but for property only , i.e. to someone else 's auto , a fire-hydrant , a fence , etc. , as a result of your vehicle negligence . It does not respond to bodily injuries . -LRB- Those are covered in your policy under BI limits . -RRB- With PD , you choose the limit of liability you want , for your particular needs . Most times , the minimum limit is dictated by law . Another valuable coverage under property damage is for legal defense costs for which you may be sued , as a result of the physical damages 