Name two important auto liability coverages and briefly state what they cover.

• A. Bodily Injury liability covers injuries to others; Property Damage liability covers damage to others' property
• B. Bodily Injury covers your own injuries; Property Damage covers damage to your own property
• C. Collision coverage covers theft; Comprehensive covers weather
• D. Uninsured motorist covers only the insured's injuries

Answer: (A)

Auto liability coverage is about paying for harm you cause to others in a crash. The two most fundamental parts are Bodily Injury liability, which covers the medical costs and injuries to other people you hurt in an at-fault accident, and Property Damage liability, which covers the cost to repair or replace someone else’s property damaged in the crash. These coverages protect others and meet financial and legal responsibilities after an incident. They don’t cover your own injuries or your own vehicle—that’s handled by other coverages such as Medical Payments or Personal Injury Protection for you, and collision or comprehensive for your car. The other options mix up who is covered or what the coverages do, so they’re not the best descriptions of these two primary liability protections.