In the event of an accident involving a non-owned vehicle, which type of coverage may apply under a personal auto policy?

In the context of a personal auto policy, liability coverage is designed to protect the insured against claims arising from injury or damage they may cause to others while operating a vehicle. When an insured uses a non-owned vehicle, such as a rental car or a borrowed car, their personal auto policy can extend liability coverage to include incidents that occur while driving that vehicle. This ensures that if the insured is at fault in an accident, the liability coverage would pay for damages or injuries to third parties, up to the policy limits.

Comprehensive coverage primarily addresses damage to the insured vehicle from non-collision incidents, such as theft or natural disasters, and typically does not apply when driving a non-owned vehicle. Broad form liability coverage is not a standard term commonly used in personal auto policies; instead, liability coverage is specifically defined. Medical payments coverage, while applicable for injuries sustained by the insured and passengers in the covered vehicle, does not cover liability towards third parties for damages resulting from accidents. Therefore, liability coverage is the correct answer because it directly relates to the responsibility for damages caused to others and can extend to non-owned vehicles under certain conditions in a personal auto policy.