Which part of a personal auto policy covers liability?

Part A of a personal auto policy specifically addresses liability coverage. This section is designed to protect the policyholder against claims resulting from injuries or damages to others for which they are legally responsible while operating their vehicle. It includes both bodily injury liability, which covers medical expenses and lost wages for others injured in an accident, and property damage liability, which covers costs associated with damaging someone else's property.

This protection is crucial as it helps the insured manage financial risks associated with accidents that they may cause. Liability limits are typically stated in the policy, indicating the maximum amount the insurer will pay for a covered claim. Understanding this part of the policy is essential for ensuring that one is adequately covered against potential lawsuits and costs stemming from an accident.