You buy property damage coverage so it will pay out if your car damages another person’s vehicle or property. Actually, some people buy it so it’ll protect them from lawsuits related to the same. Don’t be shocked if your insurer doesn’t offer this legal coverage, though. Not all companies do. Anyway, every state that I am licensed in requires drivers to carry a certain amount of property damage coverage. Some of those minimums are low because they were set decades ago, however, so keep that in mind when you shop around.