Property Damage (PD) liability covers claims as a result of damage to others’ property (such as a vehicle). The coverage includes legal defense for you as a result of a lawsuit. The minimum limits of Property Damage liability mandated by the TLC are $10,000. This means that the insurance carrier will pay up to $10,000 for any property damage claim as a result of an accident. Always check your policy for exact language of coverage and limits to ensure accuracy.