Which type of coverage is included in the liability coverage of a personal auto policy?

The correct choice highlights the essential components of liability coverage in a personal auto policy, which includes bodily injury and property damage.

Bodily injury liability coverage provides financial protection for the insured when they are found responsible for injuring another person in an auto accident. This can cover medical expenses, lost wages, and legal fees arising from such an incident.

Property damage liability, on the other hand, covers the costs associated with damage to someone else's property due to an accident caused by the insured vehicle. This could include damages to another vehicle, a fence, a building, or any other property involved in the accident.

Together, these two types of coverage are foundational to liability insurance in automobile policies, as they ensure that the policyholder can financially address claims made against them for harm caused to others.

The other options presented do not accurately reflect the components included in standard liability coverage. Collision and comprehensive are types of coverage that deal primarily with damage to the insured’s own vehicle rather than damages to others. Personal injury, while relevant to certain legal claims, does not specifically refer to the coverage generally included in auto liability protections. Medical payments provide coverage for the insured's own medical expenses, and underinsured motorist coverage protects against other drivers who may not have enough