Which liability type would cover medical bills incurred due to injury?

Bodily Injury Liability is designed specifically to cover medical expenses and related costs resulting from injuries caused to others in an accident for which the insured is found to be legally responsible. This type of liability insurance is a crucial component of auto and liability insurance policies, as it provides financial protection to the policyholder against claims for medical costs, lost wages, and other damages resulting from injuries sustained by others.

In the context of this question, selecting Bodily Injury Liability correctly aligns with the primary function of this coverage—addressing the medical bills of injured parties when the policyholder is at fault in an incident. It emphasizes the insurer's responsibility to take care of claims that arise from physical injuries inflicted upon others, thereby alleviating the financial burden on the insured.

Other types of liability mentioned serve different purposes. For example, Property Damage Liability pertains to damage inflicted on another person's property rather than bodily injuries, while Medical Payments Coverage is a separate type that pays for medical expenses incurred by covered persons, regardless of fault, but is not classified under bodily injury liability per se. Similarly, Personal and Advertising Injury Liability deals with specific offenses like defamation, invasion of privacy, or copyright infringement, rather than physical injuries. Understanding these distinctions clarifies the specific role each type of