What type of auto insurance covers damages to another person's vehicle in an accident?

Liability insurance is designed to cover damages to another person's vehicle in the event of an accident for which you are at fault. This type of coverage typically includes both property damage liability and bodily injury liability. When you cause an accident, liability insurance pays for the costs related to the damage or injuries you have inflicted on the other party, which is essential in protecting your financial interests and ensuring that the other party is compensated for their losses.

While comprehensive insurance covers damages to your own vehicle resulting from events other than collisions (like theft or weather-related damage), and collision insurance pays for damages to your own vehicle due to a collision with another car or object, neither of them includes coverage for damages to another person's vehicle. Uninsured motorist coverage protects you in case you are in an accident with a driver who lacks insurance, but it does not cover damages you cause to another person's property.