Which type of insurance would NOT generally cover physical damage to a vehicle?

Auto liability insurance primarily covers the legal obligations of the policyholder to pay for bodily injury and property damage they cause to others in an accident. This type of insurance is designed to protect the insured from financial loss related to damages inflicted on others, rather than on their own vehicle. It does not provide coverage for repairs or physical damage to the policyholder's own vehicle, which is the key reason why auto liability insurance would not typically cover such damages.

Collision insurance, on the other hand, specifically covers damages to the insured vehicle resulting from a collision, regardless of who is at fault. Comprehensive insurance extends beyond collisions, providing coverage for a variety of risks including theft, vandalism, and natural disasters, thereby protecting the vehicle from many physical damage scenarios.

Hull insurance is typically related to aircraft or marine vessels and covers physical damage to those vehicles, which also does not pertain in this context.

Understanding the coverage types helps clarify why auto liability insurance is distinct in its purpose and limitations compared to the other options, making it clear that it would not cover physical damage to the insured's vehicle.