In a policy with four coverages, which item is covered under third party bodily injury and property when at fault in a tort jurisdiction?

• A. Your bodily injuries under medical payments
• B. Your car under collision
• C. The other person's property and bodily injury under third party bodily injury and property
• D. All of the above

Answer: (C)

The main concept is how third-party liability protects others when you’re at fault in a tort system. When you are held responsible for an accident, this coverage pays for the other person’s injuries and their property damage, up to your policy limits. It does not cover your own injuries or your own vehicle damage—that’s handled by first-party coverages like medical payments (or PIP) for your injuries and collision for your car. So the item described as the coverage for the other person’s bodily injury and property damage under third-party liability is the correct one.