Which of the following is a risk covered by a standard auto insurance policy?

A standard auto insurance policy generally includes several types of coverage, and one critical aspect is liability coverage. This type of coverage protects the policyholder against claims for bodily injury to others when they are at fault in an automobile accident. It ensures that if you cause an accident resulting in injury to another person, your insurance will cover their medical expenses, lost wages, and other related costs, up to the limits of your policy.

This feature is essential as it provides financial protection for the insured party against potentially substantial lawsuits that could arise from accidents. Liability coverage is a fundamental component of auto insurance, making it legally required in most states, emphasizing its importance in protecting both the insured and the public.

In contrast, the other options do not represent comprehensive coverage as included in standard policies. Damage from natural disasters may not be fully covered, as some policies might require specific endorsements for certain disasters. Theft of the vehicle can also be covered, but only under comprehensive coverage, not as the sole aspect of an auto insurance policy. Additionally, wear and tear is typically excluded, as auto insurance does not cover routine maintenance or deterioration of the vehicle over time.