What type of liability is covered when an insured owns a motor vehicle?

When an insured owns a motor vehicle, they typically have liability coverage that encompasses both bodily injury and property damage. This type of liability insurance is designed to protect the insured from financial loss if they are responsible for causing injury to another person or damage to someone else's property due to an auto accident.

Bodily injury liability helps cover medical expenses, lost wages, and pain and suffering for individuals injured in an accident for which the insured is found liable. Property damage liability covers the costs associated with repairing or replacing another person's property that has been damaged in an accident caused by the insured.

This comprehensive coverage is a legal requirement in many jurisdictions, reinforcing its importance for vehicle owners. By having both bodily injury and property damage liability coverage, the insured is better protected against lawsuits and financial claims arising from accidents involving their vehicle.