Which coverage protects against financial loss for injuries to others if you are at fault in an auto accident?

Which coverage protects against financial loss for injuries to others if you are at fault in an auto accident?

• A. Property Damage Liability
• B. Medical Payments
• C. Uninsured Motorist
• D. Bodily Injury Liability

Answer: (D)

Bodily Injury Liability is the coverage that protects you from paying out-of-pocket for injuries to other people when you are at fault in an auto accident. It covers the medical expenses, lost wages, and other damages that you’re legally responsible for, up to the policy’s limits. This is different from property damage liability, which pays for damage you cause to other people’s property (like their car or a fence); medical payments coverage, which covers medical bills for occupants of your vehicle regardless of fault; and uninsured/underinsured motorist coverage, which covers injuries when the at-fault driver lacks sufficient insurance.

Bodily Injury Liability is the coverage that protects you from paying out-of-pocket for injuries to other people when you are at fault in an auto accident. It covers the medical expenses, lost wages, and other damages that you’re legally responsible for, up to the policy’s limits. This is different from property damage liability, which pays for damage you cause to other people’s property (like their car or a fence); medical payments coverage, which covers medical bills for occupants of your vehicle regardless of fault; and uninsured/underinsured motorist coverage, which covers injuries when the at-fault driver lacks sufficient insurance.