What does "bodily injury liability" coverage protect against?

Bodily injury liability coverage is designed to provide financial protection for the insured in situations where they are found responsible for causing injury to another person. This type of coverage typically helps cover medical expenses, rehabilitation costs, and, in some instances, lost wages resulting from the injury caused by the insured. It also can assist in covering legal fees associated with defending against claims of bodily injury. This type of liability insurance is particularly important for drivers, homeowners, and business owners as it helps mitigate the financial burden that might arise from accidents or incidents that lead to injuries to others.

In contrast, other options pertain to different types of coverage: property damage, legal fees unrelated to bodily injury claims, and theft or vandalism, which do not fall under the scope of bodily injury liability.