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Property Damage
Property damage refers to injury or harm to real or personal property. Real property includes land and anything permanently attached to it, such as buildings or trees, while personal property encompasses movable items like cars, computers, or photographs. Examples of property damage include a chemical leak contaminating real estate or damage to a car from an accident.
Property damage can result from natural forces (e.g., wind, fire, hail, flooding) or from human acts or omissions, which may be intentional (such as theft) or negligent (such as causing a car accident).
In the context of car insurance, property damage liability coverage helps pay for repairs to another person's vehicle or property if you are at fault in an accident. This coverage is typically required by law and covers damage to others' property but does not cover damage to your own vehicle.
In summary, property damage is any physical harm to tangible property, whether caused by natural events or human actions, and legal and insurance frameworks exist to address and compensate for such damage.