In a Personal Auto Policy, which part provides coverage specifically for property damage?

In a Personal Auto Policy, Part A - Liability Coverage is specifically designed to provide coverage for property damage. This part of the policy addresses the insured's legal responsibility for damage they cause to someone else's property due to an auto accident. It covers costs associated with repairing or replacing damaged vehicles, buildings, or other property, up to the limits specified in the policy.

Liability coverage is essential as it provides financial protection against claims made by other parties, ensuring that the insured can address damages without incurring significant out-of-pocket expenses. This aligns with the purpose of liability insurance, which is to shield individuals from the financial repercussions of inadvertently causing harm to others or their property.

Other parts of the Personal Auto Policy serve different functions: Part B - Medical Payments focuses on covering medical costs for the insured and passengers in the insured vehicle, Part C - Uninsured Motorist Coverage addresses injuries sustained due to a hit-and-run driver or an uninsured motorist, and Part D - Damage to Your Auto provides coverage for damage to the insured's own vehicle, such as from collisions or other perils. Each part has a unique role, but it is Part A that specifically pertains to property damage liability.