Which statement about damage to property of others coverage is accurate?

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Multiple Choice

Which statement about damage to property of others coverage is accurate?

Explanation:
Damage to property of others coverage is a liability protection that pays for damage you cause to someone else’s property, but only if you are legally liable for that damage. The insurer steps in to cover the repair or replacement up to the policy limit once fault is established or admitted. It does not cover your own property, and it does not pay medical expenses (that’s a separate medical payments coverage). So the accurate understanding is that you must be legally liable for the damage for this coverage to apply.

Damage to property of others coverage is a liability protection that pays for damage you cause to someone else’s property, but only if you are legally liable for that damage. The insurer steps in to cover the repair or replacement up to the policy limit once fault is established or admitted. It does not cover your own property, and it does not pay medical expenses (that’s a separate medical payments coverage). So the accurate understanding is that you must be legally liable for the damage for this coverage to apply.

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