Property Damage Liability
Property Damage protects you when you are legally liable for damage to property of others caused by your vehicle. This not only includes damage to others’ vehicles, but also objects such as buildings, signs or trees. In the event of a multiple vehicle accident, you could be responsible for compensating several other car owners.
From my car insurance policy. So I’m guessing your insurance covers 25k and then you’re liable for the rest.
AKA, tell who ever pulled that number off their policy they don’t have enough coverage. 