Propety Damage covers you if you damage someone elses property. Liability covers you in the event of a lawsuit.
Your own liability insurance will never pay for the damage to your property or for your medical expenses. Your collision insurance pays for damage to your property, if it is your fault. Your Uninsured Motorist Insurance or Underinsured Motorist Insurance pays for damage to your property if caused by someone else who is uninsured or under-insured. Your liability insurance will pay for the damage to someone else's property or for someone else's medical expenses, if it is your fault. Someone else's liability insurance will pay for the damage to your property or for your medical expenses, if it is their fault.
If it is relative to an auto insurance policy, it for property damage caused to someone else's property. You or someone in control of your vehicle causes damage to anothers property, could be another vehicle, or some other type of property. ( personal liability/property damage) Coll would mean damage to your vehicle due to collision, and Comp would mean your comprehensive coverage for your vehicle for damage due to things like hitting a deer, or hail damage for example.
The person's collision insurance should cover the damage to their car, and their liability insurance should cover the damage to the fence and property. If they have no collision insurance, they will have to fix their car on their own.
It all depends on what they offer and the price. You should ask them for the price on the amount of property damage protection.
Property damage liability insurance is to cover the damage you may cause to someone else's property. Different states have different car insurance requirements and regulations. Further, some people get larger property liability insurance coverage than the minimum requirements.
NO, liability covers damage you do to someone else's property. Comprehensive insurance covers damage to your vehicle by someone else. If you have no comprehensive, then you will need to look to their insurance for recovery of damages.
Property damage on the vehicle or someone else's vehicle?
You are responsible, but your homeowner insurance should cover damage.
The penalty for egging will differ between states and will depend on if there was any damage to property or not. If caught egging someone's property you could be charged with trespassing, disorderly conduct, or damage to property. The penalty could be a fine, probation, or jail time.
Damage to someones property if you were at fault.
Anytime you damage someone else's property it can be seen as illegal.