Which type of coverage typically includes protection against injuries to others?

Liability coverage is specifically designed to provide protection against injuries and damages that the policyholder may cause to others in an accident or while operating their vehicle. This type of insurance addresses the costs associated with bodily injury or property damage to other individuals that you may be held legally responsible for. It ensures that victims are compensated for medical expenses, lost wages, and other damages resulting from an incident where you are at fault.

Comprehensive coverage, on the other hand, protects against damages to your own vehicle from non-collision incidents, such as theft, vandalism, or natural disasters, rather than covering injuries to others. Collision coverage similarly focuses on covering damages to your vehicle resulting from a collision with another vehicle or object, again without addressing injuries to others. Personal injury protection (PIP) provides medical expenses coverage for the policyholder and passengers regardless of who was at fault in an accident, but it does not account for damages or injuries inflicted on others.

In summary, liability coverage is the type of insurance that directly addresses the financial responsibilities that arise from causing injuries to other parties involved in a vehicle accident, making it essential for drivers to be appropriately covered.