In a liability policy, the coverage that responds to bodily injury or property damage the insured becomes legally obligated to pay is triggered by:
Explanation
Liability (third-party) coverage responds when the insured is legally obligated to pay damages to another party for bodily injury or property damage, and it typically includes the cost of the insured's legal defense. It does not pay for the insured's own property or injuries, which are first-party coverages. The legal obligation, usually arising from negligence, is what triggers the coverage.
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