Which statement best describes property damage?

Which statement best describes property damage?

• A. Physical injury to or destruction of tangible property, or loss of use of tangible property
• B. Only monetary loss
• C. Bodily injury to a person
• D. Damage to intangible property

Answer: (A)

Property damage covers harm that happens to physical things, not people. It includes physical injury to or destruction of tangible property, or loss of use of tangible property. For example, if you crash into a fence and break it, or if a fire damages a car and you can’t use it for a while, that is property damage. Monetary loss alone isn’t property damage, bodily injury refers to harm to people, and damage to intangible property isn’t about physical, tangible items. So the statement describing physical injury to or destruction of tangible property, or loss of use of tangible property best fits property damage.

Property damage covers harm that happens to physical things, not people. It includes physical injury to or destruction of tangible property, or loss of use of tangible property. For example, if you crash into a fence and break it, or if a fire damages a car and you can’t use it for a while, that is property damage. Monetary loss alone isn’t property damage, bodily injury refers to harm to people, and damage to intangible property isn’t about physical, tangible items. So the statement describing physical injury to or destruction of tangible property, or loss of use of tangible property best fits property damage.