Which type of insurance covers bodily injury claims made by others in an auto accident?

Bodily injury liability insurance is specifically designed to cover claims made by others for injuries they suffer in an automobile accident where the insured is at fault. This type of coverage is crucial because it helps pay for medical expenses, lost wages, and related costs incurred by the injured parties, ensuring that the policyholder is protected against significant financial liabilities.

It is important for vehicle owners to carry sufficient bodily injury liability limits, as this protects them in instances where accidents may result in serious injuries, thereby safeguarding their personal assets in the event of lawsuits.

In contrast, comprehensive coverage addresses damage to the insured vehicle from non-collision incidents, such as theft or natural disasters. Property damage liability covers damages to someone else's property, like their vehicle or fence, but does not extend to bodily injuries. Collision coverage is intended for damage to the policyholder's own vehicle after a collision, regardless of fault, and does not address the medical needs of injured third parties.