Property damage liability pays for injuries to a driver or their passengers caused by an uninsured or underinsured driver.

Property damage liability only covers damage to someone else's property and not bodily injuries to a driver or their passengers. Bodily injury liability covers injuries to a driver or their passengers caused by them, but not by uninsured or underinsured drivers. Uninsured/underinsured motorist insurance is typically needed to cover injuries caused by uninsured/underinsured drivers.