What is the main purpose of motor vehicle liability insurance?

Motor vehicle liability insurance is primarily designed to provide financial protection for damages and injuries that the insured driver may cause to other parties in the event of an accident. This includes covering costs associated with property damage and bodily injury sustained by others as a result of the insured's actions while operating a motor vehicle.

When a driver is found to be at fault in an accident, liability insurance helps to cover the legal and medical expenses incurred by others, ensuring that victims receive compensation for their losses. This coverage is a fundamental part of vehicle ownership and use, as it helps uphold legal responsibilities and financial accountability.

Other options mentioned may seem relevant at first glance, but they do not capture the core purpose of liability insurance. Vehicle theft coverage pertains to securing the insured’s own vehicle and is typically part of comprehensive coverage. Protecting the insured against all claims is a broader concept that does not specifically address the liability aspect, which is mainly about covering third-party damages. Providing rental car benefits relates to additional services that may be included in some insurance policies, but it is not the main objective of liability insurance. Thus, the central focus of motor vehicle liability insurance remains on addressing damages inflicted on others during an automotive accident.