What coverage is provided in the liability section of the business auto coverage form?

• A. The policy will pay for injury or property damage to third parties
• B. The policy will pay only for the insured's injuries
• C. The policy excludes property damage
• D. The policy pays only medical expenses

Answer: (A)

Liability coverage in a business auto policy is there to protect you when you are legally responsible for injuring someone or damaging someone else’s property with a covered vehicle. It pays bodily injury and property damage claims that are the result of the insured’s use of the covered autos, up to the policy limits. It does not pay for your own injuries or medical expenses (that would be covered by medical payments or similar coverages), and it doesn’t exclude property damage—it provides coverage for third-party property damage. So the option describing paying for injury or property damage to third parties is the correct reflection of what the liability section covers.