In the event of an accident where the policyholder is found at fault, which coverage would pay for the damages to the other party’s vehicle?

Liability coverage is designed specifically to cover damages caused by the policyholder to another party in an accident where they are at fault. This type of coverage addresses the legal obligation to compensate for damages, which includes property damage to the other party's vehicle as well as bodily injury claims arising from the incident.

When a policyholder is found at fault, liability coverage comes into play to ensure that the injured party receives payment for their vehicle repairs and any related expenses, thereby protecting the policyholder from further financial loss. This coverage is a critical component of any automobile insurance policy, as it helps fulfill the policyholder’s responsibility to others involved in an accident.

On the other hand, comprehensive coverage protects against damages caused by non-collision events, such as theft or natural disasters, and not for accidents involving other parties. Collision coverage would pay for the policyholder's own damages to their vehicle resulting from a collision, regardless of fault, but does not address damages to the other party’s vehicle. Medical payments coverage is focused on paying for medical expenses for the policyholder and passengers involved, rather than any property damage.