Section 5.7 and (2) Property damage sustained by any person . . .

• Library: Insurance Practice 2015

The MVFRL requires that the policy insure persons using the covered motor vehicles against loss because of “injury to or destruction of property of others . . . .” Section 303.190.2(2), RSMo 2000. The ISO policy defines “[p]roperty damage” to mean “physical injury to, destruction of or loss of use of tangible property.” Copyright, ISO Properties, Inc., 1998. The Shelter policy defines it to mean “injury to or destruction of property.”

In Missouri, the measure of property damages in tort cases is the fair...