What type of insurance pays for injuries or damages you cause to others?

Liability insurance is specifically designed to cover the costs associated with injuries or damages you may cause to other individuals or their property while operating a vehicle. This type of insurance is essential for drivers, as it protects them financially if they are found responsible for an accident that results in harm to others.

When you have liability insurance, if you are involved in an accident, this coverage helps pay for medical bills, rehabilitation costs, and property damage suffered by the other party. It typically covers two parts: bodily injury liability and property damage liability, providing a comprehensive safety net in case of legal claims or lawsuits arising from an accident.

In contrast, collision insurance focuses on damages to your own vehicle after an accident, regardless of who is at fault, while comprehensive insurance covers non-collision-related damages, such as theft or natural disasters. Personal injury protection, on the other hand, primarily covers medical expenses for you and your passengers regardless of fault, but does not extend to injuries or damages inflicted on others.