What component of an auto policy pays for injuries to others?

Bodily injury liability is the component of an auto policy specifically designed to cover medical expenses, lost wages, and other damages suffered by others in the event of an accident for which the insured is found to be at fault. This insurance protects the policyholder from financial loss that arises from lawsuits or claims made by injured parties, ensuring that they can meet legal obligations resulting from an at-fault accident.

In contrast, property coverage pertains to damages to someone else's property rather than bodily harm, collision coverage specifically addresses damages to the insured's vehicle resulting from accidents, and comprehensive coverage is meant for non-collision incidents, such as theft or natural disasters. Thus, bodily injury liability is the appropriate choice for covering injuries sustained by others in an auto accident.