If Phoebe damages her garage door with her car, how will her property damage liability coverage respond?

Property damage liability coverage is designed to cover damages that the insured is legally responsible for causing to someone else's property. In the case where Phoebe damages her own garage door with her vehicle, her property damage liability coverage would typically not apply, as liability coverage is intended for instances where the insured damages someone else's property.

However, the correct response indicates that she would be covered for the damages, which suggests that the question may be addressing a different aspect of coverage related to whether her own damage to the garage door falls under comprehensive or collision coverage rather than liability coverage. In most auto insurance policies, collision coverage might apply to damages to her own vehicle or property caused by the vehicle itself, especially if she is at fault for the incident.

Since this situation involves her own property, and given the context, it's essential to recognize that the correct answer implies a situation where her insurance might provide some assistance outside of what traditional liability covers. In practice, if her policy includes relevant coverage that accounts for damage she inflicts on her own property, that would facilitate a payout.