What are the main types of coverage offered in a personal auto policy?

The main types of coverage offered in a personal auto policy are accurately represented in the chosen option. Liability coverage is essential as it protects the policyholder against claims of bodily injury and property damage to others resulting from an accident in which they are at fault. Personal Injury Protection (PIP) is also a critical coverage that provides medical expenses, lost wages, and other related costs for the policyholder and their passengers, regardless of who is at fault in an accident.

Collision coverage helps pay for damage to the policyholder's own vehicle after an accident, while comprehensive coverage offers protection against theft and damage to the vehicle caused by non-collision incidents such as weather-related events or vandalism. This combination of liability, PIP, collision, and comprehensive covers a broad spectrum of potential financial exposures related to owning and operating a vehicle, thus making it the correct choice.

The other options lack elements that are fundamental to a comprehensive personal auto policy. For instance, personal property coverage and health insurance do not typically apply in the context of auto insurance policies. Likewise, including bodily injury without pairing it with personal injury protection provides an incomplete picture of the coverages necessary to protect a driver effectively.