What is the nature of liability covered under Personal Auto Policy, Part A?

The correct choice encompasses two significant types of liability covered under a Personal Auto Policy, Part A: bodily injury liability and property damage liability.

Bodily injury liability is the coverage that applies when the insured is responsible for injuring another person in an accident. This aspect of liability ensures that medical expenses, lost wages, and other related costs incurred by the injured party are covered up to the policy limits.

Property damage liability covers the costs associated with damage the insured causes to someone else's property. This can include damage to other vehicles, buildings, or other structures.

By combining both types of liability, the selection accurately reflects the breadth of coverage offered under Part A of a Personal Auto Policy, which is designed to protect the insured against financial losses resulting from their legal responsibility for injuries or property damage caused while operating a vehicle.

Other options are limited in scope; while personal injury protection is indeed a relevant coverage option within auto insurance, it is not classified as liability coverage. Therefore, it does not fit within the specifications of Part A, which specifically addresses bodily injury and property damage liabilities.