Which insurance type covers bodily injury and property damage from vehicle accidents?

Auto liability insurance is designed specifically to cover bodily injury and property damage resulting from vehicle accidents. This type of insurance is a legal requirement in many jurisdictions, ensuring that drivers can compensate others for damages they may cause while operating their vehicles.

Bodily injury coverage under this insurance helps pay for medical expenses, lost wages, and other costs related to injuries sustained by other parties in an accident where the insured is deemed at fault. Property damage coverage assists in covering the costs associated with damage to other vehicles or property resulting from the accident.

In contrast, comprehensive insurance provides coverage for risks other than collision, such as theft, vandalism, or weather-related damage, without addressing liability for injuries or damages to others. Roadside assistance insurance offers services like towing and battery jump-starts but does not cover injuries or property damage. Collision insurance covers damage to the insured's own vehicle following a collision, but it does not address liability towards other parties involved in an accident.

Thus, auto liability insurance is the only option that directly deals with financial responsibility for bodily injury and property damage to others following a vehicle accident.