What is typically covered by a motor insurance policy as it relates to personal injury?

Compensation for third-party injuries is an essential component of motor insurance policies. This coverage provides financial protection to the policyholder in the event that they are deemed legally responsible for causing bodily harm to another individual due to a vehicular incident. It addresses medical expenses, rehabilitation costs, and any associated losses incurred by the injured party.

This aspect of coverage is crucial because it not only serves to protect the injured person but also shields the policyholder from potentially debilitating financial liabilities arising from personal injury claims. Most jurisdictions require drivers to have some level of third-party liability coverage, reflecting its importance in promoting road safety and responsible driving.

The other options do not encompass the full scope of personal injury coverage under a motor insurance policy. Physical damage to the vehicle pertains exclusively to property damage, while loss of earnings for the policyholder and personal injury to the driver only address specific situations that may not be universally included in all motor insurance policies. Thus, coverage for third-party injuries stands out as the primary focus in relation to personal injury in motor insurance.