Question

When is liability insurance needed? A. When you have to take off time from work because of an injury or illness B. When your personal possessions are stolen from your apartment C. When someone with no insurance damages your car in an accident D. When you cause an accident that damages another vehicle or hurts someone​

Answer 1

Answer: D. When you cause an accident that damages another vehicle or hurts someone

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Explanation:

• Choice A can be ruled out because that's describing workers compensation (aka workers comp) insurance.
• Choice B can be ruled out because this is describing home owners or renters insurance.
• Choice C sounds like it's describing a scenario in which you'd need collision coverage or full coverage (and not just liability coverage), so we can rule this out as well.
• Choice D describes a scenario in which you'd need liability insurance. If you cause property damage or bodily injury in some way, then you are responsible for paying those damages.