Which of the following is typically not covered by auto liability insurance?

Auto liability insurance is designed to cover damages and injuries that the insured is responsible for causing to others in an accident. This includes injuries to passengers in another vehicle, injuries to pedestrians, and legal fees incurred as a result of defending against claims related to those accidents.

The correct response identifies damages to the insured's own vehicle, which liability insurance does not cover. Instead, such damages are generally covered by collision insurance or comprehensive coverage, depending on the circumstances of the loss. Liability insurance specifically targets third-party injuries and damages, recognizing that the policyholder is responsible for the outcomes of their actions when operating a vehicle. Thus, any damage to the insured's own vehicle falls outside the scope of liability coverage, directing the insured to other forms of insurance for protection in that area.