What type of insurance protects against injuries sustained by others in an auto accident?

Bodily injury liability insurance is designed specifically to cover the medical expenses and other costs associated with injuries that others sustain due to an auto accident where the insured is at fault. This type of insurance is essential as it helps protect the policyholder from significant financial liability that could arise from legal claims or lawsuits resulting from injuries to others in an accident.

This coverage typically includes expenses such as medical bills, lost wages, and in some instances, pain and suffering claims made by injured parties. It ensures that those who are injured as a result of the insured driver's actions receive the necessary compensation, thereby fulfilling the legal responsibility of the at-fault driver.

In contrast, collision insurance covers damage to the insured’s own vehicle from a collision regardless of fault, while property damage insurance addresses damages caused to someone else's property, such as their car or fence. Uninsured motorist coverage provides protection when the at-fault party lacks insurance, but it does not cover the insured's liabilities to others. Thus, the focus of bodily injury liability insurance on covering injuries caused to third parties makes it the correct answer to the question regarding protection against injuries sustained by others in an auto accident.