Which coverage provides protection against personal injuries and damages caused to others?

Liability coverage is designed specifically to protect individuals against claims for personal injuries and damages they cause to others. This type of coverage plays a crucial role in financial protection, as it covers legal costs, medical expenses, and damages awarded in a lawsuit stemming from incidents for which the insured is found responsible.

For instance, if you accidentally injure someone while playing sports, or if your dog bites someone, liability coverage would help cover the injured party's medical bills and potentially any legal fees incurred in defending against a lawsuit.

While comprehensive coverage focuses on damage to your own vehicle from non-collision-related events, medical payments coverage specifically addresses injuries sustained by the insured and their passengers, irrespective of fault, rather than damages to third parties. Property coverage safeguards against damage to your own property rather than injuries inflicted on others. Therefore, liability coverage is essential for addressing the risks associated with harm caused to others.