What type of insurance covers you for damage you do to others?

The type of insurance that covers you for damage you do to others is personal liability insurance. This form of insurance provides financial protection if you are found legally responsible for causing injury to another person or for causing damage to someone else's property. It typically covers legal costs associated with defending yourself against claims, as well as any settlements or judgments that may arise from these claims.

In the context of automobile insurance, personal liability coverage is a crucial component as it helps protect the policyholder from costs related to accidents in which they are at fault. This coverage ensures that the policyholder is not left bearing the brunt of financial losses resulting from their actions while using their vehicle.

Home liability insurance, while covering similar areas related to one's property or personal accidents that occur at home, does not extend to automobile-related incidents. Comprehensive coverage pertains to damage to the policyholder’s own vehicle due to non-collision incidents, such as theft or natural disasters, and collision coverage addresses damage to the insured vehicle resulting from a collision, regardless of fault.