Which coverage would protect the insured against lawsuits resulting from their auto use?

Liability coverage is designed specifically to protect the insured against lawsuits that arise from the use of their vehicle. This type of coverage is essential in providing financial protection when the insured is deemed legally responsible for causing bodily injury or property damage to others in an accident. When an insured driver is involved in a collision that results in injuries to another party or damage to someone else's property, liability coverage helps cover the legal expenses associated with defending against such lawsuits, as well as any settlement or judgment amounts that may be awarded to the other party.

In the context of auto insurance, property damage coverage focuses on damages to someone else's property resulting from an accident caused by the insured driver but does not address legal expenses or lawsuits directly. Medical payments coverage offers financial assistance for medical expenses incurred by the insured or their passengers due to an accident but does not provide protection against lawsuits. Comprehensive coverage protects against non-collision-related incidents, like theft or damage from natural disasters, rather than legal liabilities arising from vehicle use. Thus, liability coverage is the correct choice for addressing lawsuits related to auto use.