What is the main purpose of personal auto liability coverage?

The primary purpose of personal auto liability coverage is to protect the insured from financial loss due to damages for which they are legally responsible. This type of coverage generally applies when the insured is at fault in an accident that causes bodily injury to others or damages to someone else's property. It ensures that if the insured is found liable in such situations, the insurance policy will cover the associated costs, including legal fees, medical expenses for affected parties, and property damage claims.

This coverage is essential because it provides peace of mind to the insured, knowing that they have financial support to meet their legal obligations. It is specifically designed to address liabilities arising from driving and vehicle-related incidents, which makes it a critical element of any auto insurance policy. While other coverages, like collision or comprehensive, focus on the insured's vehicle or personal medical expenses, liability coverage specifically safeguards against third-party claims.