What type of damage is typically excluded under liability coverage in a personal auto policy?

Liability coverage in a personal auto policy is designed to protect the insured against claims made by others for injuries or damages for which the insured is responsible. This typically includes bodily injury and property damage caused to third parties. However, liability coverage does not extend to the insured’s own vehicle. Instead, damage to the insured's vehicle is covered under different sections of an auto policy, such as collision or comprehensive coverage, which are meant specifically to cover the insured’s own losses.

In the context of liability coverage, injury to a third party and property damage to others are explicitly covered because they relate to the insured's liability for damages inflicted on other individuals. Bodily injury coverage is also included in liability policies, which addresses any physical harm the insured might cause to others. Therefore, the exclusion of coverage for the insured's vehicle under liability is consistent with the purpose of liability coverage, which is to cover damages inflicted upon others rather than the insured's own property.