What does the complete personal auto policy combine?

The complete personal auto policy combines property and liability insurance, making this the most comprehensive and accurate description. Property insurance covers damage to the insured vehicle and any property that it might damage, while liability insurance provides coverage for bodily injury and property damage that the policyholder might cause to others in an accident. This combination is crucial for drivers, as it ensures that they are protected against various risks associated with operating a vehicle.

Property insurance includes coverage for things like collision (damage to the insured vehicle due to a collision with another vehicle or object) and comprehensive coverage (damage to the vehicle from non-collision events, such as theft or natural disasters). Liability insurance protects the policyholder's financial interests should they be found responsible for causing an accident. By integrating these two types of insurance, a complete personal auto policy offers a well-rounded protection strategy for both the driver and other parties involved in a vehicle incident.

In contrast, the other options focus on specific coverages or combinations that do not accurately reflect the full scope of a complete personal auto policy. For example, collision, fire, and accidental injury represent only parts of the overall coverage package and overlook the critical aspect of liability insurance, which is essential for comprehensive auto insurance protection.