Liability coverage pays for injuries and property damage you cause to other people in an at-fault accident. Bodily injury liability pays medical bills, lost wages, and legal defense costs for injured parties. Property damage liability pays to repair or replace other vehicles and property. Liability does not cover your own vehicle or your own medical bills -- those require separate coverages such as collision, comprehensive, and MedPay.

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What does liability coverage on an auto policy actually pay for?

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