The PAP liability coverage protects against which of the following?

The Personal Auto Policy (PAP) liability coverage specifically provides protection for injuries and damages that the insured may cause to others during the operation of their vehicle. This coverage is designed to cover the legal liabilities that arise when the insured is found responsible for injuring another person or damaging someone else’s property while driving.

Liability coverage is critical because it helps pay for medical expenses, lost wages, and property damage that the injured party may incur as a result of the insured's actions. This ensures that the insured does not face severe financial consequences due to potential lawsuits or claims resulting from an accident for which they are legally responsible.

Other options refer to different types of coverage. Damage to the insured’s vehicle would be covered under collision or comprehensive coverage, while uninsured motorist incidents pertain to coverage that protects the insured when involved in accidents with drivers who do not carry insurance. Losses due to theft are likewise covered under comprehensive insurance, not liability. Understanding the specific roles of various coverages within the PAP can help individuals make informed decisions about their insurance needs.