An automobile insurance policy typically includes:

An automobile insurance policy typically includes coverage types that address various risks associated with vehicle ownership and operation. The correct choice outlines the most commonly included coverages: collision, comprehensive, liability, and personal injury protection.

• Collision coverage helps pay for damage to the insured vehicle resulting from a collision with another vehicle or object, regardless of who is at fault. This is important for protecting the vehicle owner against repair costs that can accumulate after an accident.

• Comprehensive coverage protects against damages to the vehicle caused by non-collision incidents, such as theft, vandalism, natural disasters, and hitting an animal. This ensures that broader risks to the vehicle are covered, giving the owner peace of mind.

• Liability coverage is crucial as it covers damages the insured owes to others in accidents where they are at fault. It includes both bodily injury liability and property damage liability, safeguarding the policyholder from legal and financial repercussions due to causing injury or damage to others.

• Personal injury protection (PIP) offers coverage for medical expenses that arise from injuries sustained in an accident, regardless of who is at fault. This provides immediate financial assistance for medical bills and lost wages, thus supporting the insured’s wellbeing after an accident.

The other options