What coverage applies to bodily injuries in a school bus involving children of the insured?

The correct answer involves understanding the nature of liability coverage in the context of a school bus accident. Liability coverage is designed to protect the insured against claims resulting from injuries or damages they may cause to other individuals. In the case of a school bus transporting children, if an injury occurs due to the driver’s negligence, liability coverage would provide financial support for the claims made by the injured parties. This is essential in safeguarding the insured from potential lawsuits that result from accidents.

In contrast, collision coverage applies to damages to the insured's vehicle resulting from a collision, which does not directly address bodily injuries. Comprehensive coverage protects against damages to the vehicle caused by non-collision events, such as theft or weather-related incidents, and similarly does not cover bodily injury claims. No-Fault/PIP insurance provides benefits for medical expenses and lost wages regardless of fault but is generally not applicable in situations involving vehicles like school buses that have specific liability coverage provisions. Therefore, the right choice highlights the importance of liability coverage in providing protection for bodily injury claims in such scenarios.