The type of auto insurance that pays for the cost of damage to a car you hit is?

The type of auto insurance that pays for the cost of damage to a car you hit is known as liability insurance. This coverage is essential for drivers because it protects them financially if they are responsible for an accident that causes damage to someone else's vehicle. Liability insurance typically includes two main components: bodily injury liability, which covers the medical expenses of others injured in an accident you cause, and property damage liability, which specifically covers the costs associated with damage to another person's property, including their vehicle.

In the context of the question, the focus is on the responsibility of the insured driver when they cause damage to another person's car. This is where liability insurance plays a crucial role by ensuring that the driver has the necessary resources to compensate the other party for their damages while also complying with legal requirements for auto insurance in many jurisdictions.

Other types of insurance mentioned—such as collision, medical, and no-fault—do not specifically address the damage costs incurred by other parties due to your driving. Collision insurance would cover damages to your own vehicle regardless of fault; medical insurance typically covers medical expenses for you and your passengers regardless of who is at fault; and no-fault insurance allows for quicker claims for personal injuries without determining fault, but does not cover damage to others