What benefit does liability insurance provide to the insured?

Liability insurance primarily protects the insured from claims made by other parties for damages or injuries resulting from an accident in which the insured is at fault. This type of coverage pays for the legal costs and any settlements or judgments that might arise from claims by others, making it a crucial component for maintaining financial security and protecting personal assets. In situations where the insured is found liable, this insurance mitigates the financial burden by covering costs that could arise from property damage or bodily injury to others.

In contrast, the other options relate to different forms of coverage. Coverage for one’s own car repairs would typically fall under collision or comprehensive insurance, rather than liability. Financial support for medical expenses would be part of personal injury protection or medical payments coverage, which addresses the insured’s own medical costs. Assistance with roadside emergencies is usually associated with roadside assistance programs, which are not included in standard liability policies. Thus, liability insurance distinctly provides protection against claims from others, reinforcing its importance in automobile insurance.