What are the two types of liability coverage included in PAP?

The correct answer identifies the two primary types of liability coverage included in a Personal Auto Insurance Policy (PAP), which are Bodily Injury Liability and Property Damage Liability.

Bodily Injury Liability provides coverage for expenses resulting from injuries that an insured person causes to others in an accident for which they are determined to be at fault. This could include medical bills, lost wages, and even legal fees if a lawsuit arises from the incident.

Property Damage Liability covers the costs associated with damage the insured causes to someone else's property in an accident, such as damage to another vehicle, a fence, or other structures. Together, these coverages ensure that an insured driver can satisfy legal obligations arising from accidents, protecting both the insured’s financial interests and the rights of injured parties.

The other options mention types of coverage that are important in an auto insurance policy but do not pertain specifically to liability coverage. Comprehensive and collision coverage refer to physical damage protections for the insured's own vehicle. Uninsured and underinsured motorist coverage helps protect drivers if they are in an accident with a driver who lacks adequate insurance. Medical payments and personal injury protection offer benefits related to medical expenses and other losses, but these are not classified as liability coverages.