Which type of insurance coverage protects automobile owners from the damages their vehicles might cause to other people?

Liability auto insurance is designed specifically to protect automobile owners from the damages their vehicles might cause to other people and their property. This type of coverage is essential because it provides financial protection if the insured driver is found to be at fault in an accident that injures another person or damages someone else's property. Liability coverage typically includes two components: bodily injury liability, which covers medical expenses and related costs for injured parties, and property damage liability, which covers repairs or replacement of other people's property, such as cars, fences, or buildings.

Comprehensive auto insurance, on the other hand, focuses on covering damages to the insured's vehicle from non-collision-related incidents, such as theft, vandalism, or natural disasters. Collision auto insurance is meant to cover damages to the insured's own vehicle resulting from collision with another vehicle or object, regardless of fault. No-fault auto insurance is designed to cover medical expenses and damages regardless of who is at fault in an accident, but it does not specifically provide coverage for damages the insured driver may cause to others. Therefore, liability auto insurance is the correct type of coverage that addresses the responsibility of automobile owners for damages they might inflict on other individuals.