What does Part A (Liability Coverage) of a Personal Auto Policy (PAP) cover?

Part A — Liability Coverage — of the Personal Auto Policy pays for bodily injury and property damage the insured is legally liable for resulting from operating an auto. Two parts: Bodily Injury Liability (covers injury to others) and Property Damage Liability (covers damage to others' property). Limits are typically expressed as three numbers like '100/300/100' meaning $100,000 per person for bodily injury, $300,000 per accident for bodily injury, $100,000 per accident for property damage. The insurer also pays defense costs (attorney fees and court costs are outside the policy limit). State financial responsibility laws set minimum required limits, which are usually inadequate for serious accidents — most experts recommend $100/300/100 or higher. The PAP also covers other drivers using the insured's vehicle with permission, with some restrictions.