What Is Auto Insurance Property Damage? 
Depends upon which property damage part you are looking at and which state you live in . I will speak first to the common elements of property damage . Property damage covers direct physical damage to another persons property caused by your automobile . This limit is usually set high because it is trying to cover damage to large objects , like buildings and bridges . Property damage can also be in a no-fault state for `` property buy-back damage '' which refers to the mini-tort . This means you can pay the sub-limit deductible to have the other parties insurance pay for your property damage -LRB- please note that in no-fault states your insurance normally pays for the damage to your car -RRB- . 