Property damage liability coverage protects you if you cause an accident and damage someone else’s car or other property. This coverage only protects you from a claim made against you for property damage. It does not provide coverage for you to repair your car if it is damaged. You need Collision Coverage in that instance.
Property Damage liability coverage is the other coverage that is required by Florida law when you own a vehicle in the state of Florida. Just like PIP, you cannot buy a Florida automobile insurance policy without Property Damage liability coverage.