What is the difference between liability and comprehensive coverage?

The distinction made in the first choice accurately captures the fundamental differences between liability and comprehensive coverage. Liability coverage is designed to protect the insured against legal claims for damages they may cause to another person or their property. This means that if an insured individual causes an accident that injures someone else or damages their property, liability coverage would pay for those damages.

On the other hand, comprehensive coverage provides protection for the insured's own vehicle against non-collision incidents. This can include events such as theft, vandalism, natural disasters, or hitting an animal. Essentially, comprehensive coverage helps the insured recover their own losses rather than covering damages inflicted on others.

This clarity in the scope of coverage is crucial for anyone navigating vehicle insurance, as it helps consumers understand the types of protection they need based on their circumstances. The other options do not accurately define the relationship or differences between the two types of coverage, thus making the first choice the correct one.