Which type of coverage provides protection against damages caused to third parties?

Bodily injury liability insurance specifically addresses the financial responsibility of the insured in the event they cause injury to another person. This type of coverage is crucial in the context of automobile insurance, homeowners insurance, and various other liability policies. When an insured individual is involved in an incident that results in physical harm to a third party, this coverage helps pay for medical expenses, lost wages, and legal fees that might arise from the claim.

The focus of bodily injury liability insurance is on covering the damages to others rather than the insured's own damages, such as property damage or vehicle repairs. By providing this protection, it helps ensure that individuals can meet their legal and financial obligations if they are found to be at fault in causing injury to someone else.

Property insurance, comprehensive coverage, and collision coverage are primarily aimed at protecting the policyholder's own assets rather than providing third-party liability protection, which is why they do not serve the same function in this context.