What does automobile insurance typically cover?

Automobile insurance typically covers a wide range of expenses related to road incidents, making the option that includes medical treatment, legal costs, property damage, and lost wages the most comprehensive and correct choice. This coverage is designed to protect not only the insured driver but also others who may be affected by an accident.

When a driver is involved in an accident, they may incur various costs such as medical bills for injuries sustained by themselves or others, legal fees if a lawsuit arises, damages to vehicles or property, and potentially lost wages if the accident affects their ability to work. Insurance policies are structured to offer this extensive coverage to ensure financial protection in multiple facets of automobile-related incidents.

Other options focus too narrowly on specific aspects of coverage, failing to capture the full range of protections that automobile insurance typically provides. Therefore, selecting the answer that encompasses medical treatment, legal costs, property damage, and lost wages reflects the true purpose and breadth of automobile insurance coverage.