What type of damages does Coverage A liability generally pay when the insured is found legally liable?

Coverage A liability typically pays for bodily injury and property damage to others when the insured is found legally liable. This aspect of liability insurance is crucial as it addresses the financial responsibility of the insured in the event that their actions (or negligence) cause harm to other individuals or their property.

Bodily injury refers to physical injuries suffered by other parties, which may include medical expenses, pain and suffering, and lost wages resulting from the injury. Property damage covers the physical damage incurred by someone else's property, which may also include the cost of repairs or the replacement of damaged items.

This coverage is fundamental in personal and commercial policies as it protects individuals and businesses from potentially substantial financial losses due to claims made against them for harming others. It ensures that the insured can meet their legal obligations resulting from accidents or incidents for which they are held responsible.