What type of insurance covers personal injuries to others?

Liability insurance is designed to cover personal injuries to others, making it the correct choice. This type of insurance protects the policyholder from claims involving injuries or damages that they may unintentionally cause to another person. For example, if someone is injured on your property, liability insurance would help cover their medical expenses and any legal fees associated with the claim.

In contrast, property insurance is primarily focused on protecting physical assets, such as homes or personal belongings, rather than covering injuries to others. Health insurance, on the other hand, is intended to cover the policyholder's own medical costs and does not provide protection against claims made by others for injuries caused by the policyholder. Auto insurance includes liability coverage but also encompasses other types of coverage specific to vehicle damage and theft. However, without the liability component, it would not solely relate to personal injuries to others. Thus, liability insurance specifically caters to the need for coverage against personal injury claims made by others.