Which liability coverage protects against damage inflicted on another person's property?

Property damage liability coverage is specifically designed to protect the insured from financial loss resulting from damage they may cause to another person's property while operating a vehicle. This type of coverage will pay for repair or replacement costs if the insured is found legally responsible for the damage.

For instance, if the insured accidentally crashes into another vehicle or damages a fence while driving, this coverage steps in to cover the costs associated with those damages. As a critical component of liability insurance, it ensures that the covered individual can fulfill their financial responsibilities to others without incurring out-of-pocket expenses for incidents that occur as a result of their driving.

The other types of coverage mentioned do not provide this specific protection. Comprehensive coverage generally addresses damages to the insured’s own vehicle from non-collision incidents, such as theft or natural disasters. Collision coverage, meanwhile, applies to damage incurred to the insured's own vehicle from a collision with another vehicle or object. Bodily injury liability coverage focuses on legal responsibilities related to injuries suffered by others in an accident caused by the insured. Each of these other coverages has its own unique purpose, but when it comes to protecting against damages to another person’s property, property damage liability coverage is the correct answer.