In addition to paying legal damages, what else does the Personal Auto policy cover?

The Personal Auto policy is designed to provide comprehensive coverage that goes beyond merely paying for legal damages resulting from an accident. Firstly, it includes coverage for bodily injury, which addresses the medical expenses, rehabilitation costs, and other damages associated with injuries sustained by others in an accident for which the insured is liable.

Secondly, it covers property damage, which compensates for the cost of repairs or replacement of another person’s property that was damaged due to the insured's actions while driving.

By choosing the option that encompasses both bodily injury and property damage, it fundamentally acknowledges that the policy is structured to support a wide range of financial responsibilities resulting from driving-related incidents. This integrated approach is crucial for ensuring that drivers are protected from significant out-of-pocket expenses, offering a level of security and peace of mind while on the road. Hence, stating "all of the above" is the correct interpretation of the comprehensive coverage provided by a Personal Auto policy.