What type of insurance covers physical damage due to negligence by the insured?

• A. Property insurance
• B. Bodily injury liability insurance
• C. Comprehensive coverage
• D. General liability insurance

Answer: (B)

Bodily injury liability insurance is specifically designed to cover claims arising from physical injury or damage that the insured causes to another person due to negligence. This type of insurance is essential for individuals and businesses to protect against the financial consequences of liability claims that may arise from accidents or incidents where they are found to be at fault.

When a person is held legally responsible for causing bodily injury to someone else, bodily injury liability insurance provides coverage for medical expenses, lost wages, and other costs related to the injury. It can also cover legal fees if the claim leads to a lawsuit. This insurance is crucial for protecting the insured's financial assets and ensuring they can meet their obligations in the event of a negligence claim.

In contrast, property insurance primarily covers damage to the insured's own property, comprehensive coverage protects against a wide range of damages to one's own vehicle, and general liability insurance may cover a broader scope, including both bodily injury and property damage. However, in the context of specifically addressing physical damage resulting from negligence towards others, bodily injury liability insurance is the most accurate choice.