What does auto liability coverage primarily protect against?

Auto liability coverage primarily protects against property damage or bodily injury to others. This type of insurance is essential for drivers as it ensures that if they are at fault in an accident, the costs related to damages or injuries inflicted on another party are covered. This can include medical expenses for injuries sustained by others and repair costs for damages to their property.

Liability insurance is a legal requirement in many jurisdictions and serves as a financial safeguard to prevent the insured from having to pay out-of-pocket for these potentially enormous costs. By covering these expenses, auto liability ensures that victims receive compensation, and it protects the insured from significant financial loss stemming from a car accident.

Other types of coverage mentioned, such as protection against losses from theft or vandalism, or emergency roadside assistance, serve different purposes and do not fall under the umbrella of auto liability, which is specifically focused on ensuring that the insured can meet their financial responsibilities to others in the event of an accident.