Under a personal automobile policy, what does part A-liability coverage provide?

Part A of a personal automobile policy specifically addresses liability coverage, which is designed to protect the insured in the event that they are found legally responsible for causing injury or property damage to another party while operating their vehicle. This means if the insured is involved in an accident and is determined to be at fault, Part A will cover the costs associated with injuries sustained by others (like medical expenses) as well as the repair or replacement costs for the property damaged (such as another vehicle or building).

This coverage is essential for ensuring that drivers can meet the financial obligations that arise from accidents, as many states have minimum liability coverage requirements. It is fundamentally aimed at providing financial protection against claims made by others, thereby safeguarding the insured’s assets.

The other options relate to different aspects of coverage that are either not included in Part A or serve other specific purposes within the overall personal automobile policy. For example, coverage for the insured's vehicle or personal items is not under Part A but may instead fall under collision coverage or comprehensive coverage, respectively.