Which of the following is generally included in liability coverage?

Prepare for the Iowa Personal Lines Exam. Use flashcards and multiple choice questions complete with hints and explanations. Ensure you're exam-ready!

Liability coverage is designed to protect the insured against claims made by third parties for damages or injuries they may suffer as a result of the insured's actions. This type of coverage typically includes legal claims for bodily injury to others. When someone is found to be at fault in an accident, liability coverage can help pay for medical expenses, lost wages, and other damages experienced by the injured party.

In contrast, damages to the insured's vehicle, injuries sustained by the insured themselves, and vehicle maintenance costs fall under other types of coverage, such as collision coverage, personal injury protection, or comprehensive coverage. These coverages serve different purposes and are not part of liability coverage, which focuses solely on protecting against claims made by others. Therefore, the inclusion of legal claims for bodily injury to others accurately reflects the primary function of liability coverage.

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