coverage which agrees to pay, on behalf of the insured, all sums which the insured becomes legally liable to pay for property damage.
Protects you against possible loss, up to coverage limitations listed on your declarations page, should your vehicle damage another persons property, including their vehicle(s), and you are held legally liable.
provides protection against financial loss should your auto damage the property of others and you are held liable. This includes property such as an auto, house, fence, or building. You are covered up to the policy limit for each separate occurrence.