What personal auto coverage pays for the insured's travel expenses and loss of earnings while involved in a covered loss settlement?

The correct answer relates specifically to the scenario where an insured incurs travel expenses and loss of earnings due to a covered loss settlement. This situation is typically addressed under liability coverage. Liability coverage includes protection for damages the insured is legally responsible for, which can encompass various expenses arising from a covered incident.

While collision and comprehensive coverages focus on damages to the insured's vehicle from collisions or non-collision events, respectively, they do not extend to cover expenses like travel or lost wages. Medical payments coverage is designed to cover medical expenses related to injuries sustained in an accident but does not cover lost income or travel costs associated with the claims process. Thus, liability coverage is the appropriate option as it encompasses a broader scope of expenses incurred by the insured following an accident.