What does liability coverage under Leanne's policy provide when a temporary substitute auto is used?

Liability coverage in an auto insurance policy is designed to protect the insured from financial loss when they are legally responsible for causing damage to another person's property or injury to another person in an auto accident. When Leanne uses a temporary substitute auto, her liability coverage extends to the damages caused to third parties, which embodies the essence of option C.

This means that if Leanne gets into an accident while driving a temporary substitute vehicle—such as a rental or a borrowed car—her policy will provide protection against claims made by others for property damage or bodily injury resulting from that accident. This includes covering the costs of repairs to the other vehicle involved, medical expenses for those injured, or even legal fees if a claim is pursued against her.

The focus of liability coverage is specifically on the protection of others—hence why it does not cover damages to her own vehicle or pedestrians solely. Instead, it addresses the situation where Leanne is deemed responsible for any damages she may cause during the use of that temporary vehicle. Understanding this facet of liability coverage is crucial for drivers to ensure they are adequately protected during automobile operations.