Property damage insurance is liability insurance for claims brought against a person who causes damage to another's property, as by an automobile accident.
This includes not only the labor and parts costs associated with car repair, but also replacement for valuables inside the car that were destroyed or even for repairs to stationary objects you may hit like a neighbor's tree.
Some states require you to purchase at least a minimal amount of property damage liability coverage around $5000. However it is recommended to purchase higher coverage amount. Because if for example Mr. X has a $5000 property damage insurance policy and his car hit another car and the cost of repairs goes over the threshold of $5000, let's say the tolal cost of repair is $10,000. He would still need to pay $5,000 out of his own pocket.
Not only is property damage insurance a good idea, but it's a safe bet, considering the cost of replacing or repairing personal property.
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