Which auto coverages are typically included in a standard auto liability claim?

• A. Comprehensive and Uninsured Motorist.
• B. Medical Payments and Collision only.
• C. Bodily Injury and Property Damage.
• D. Personal Injury Protection only.

Answer: (C)

When evaluating what a standard auto liability claim covers, think about what liability protection is meant to pay for: damages you cause to others. The two components that fit this purpose are bodily injury and property damage. Bodily injury covers injuries or death to other people involved in the accident, while property damage covers damage to their vehicles or other property. This is separate from protections for your own injuries or your own vehicle, such as medical payments, collision, comprehensive, or uninsured/underinsured motorist coverages. Those coverages address different needs, but they aren’t what a basic liability claim pays out for. So the combination of bodily injury and property damage is the typical core of a standard auto liability claim.