Under what condition can an insured driver collect damages under liability coverage?

The scenario where an insured driver can collect damages under liability coverage primarily revolves around the determination of fault and the nature of the coverage. Liability coverage is designed to protect the insured against claims made by others for damages to their property or for bodily injury resulting from an accident where the insured is found to be at fault.

In this context, the correct answer hinges on the specific scenario of liability coverage itself, which is not intended for the insured driver to collect damages but rather to cover the claims made by others. Therefore, a driver cannot collect damages under their own liability coverage because that coverage is meant to pay for damages inflicted upon third parties.

For liability coverage to apply, it would cover the damages that others claim from the insured due to the insured's actions. Hence, the correct perspective is that an insured driver does not collect damages directly under their own liability coverage; they might only pay damages to third parties if found at fault.

Understanding this coverage helps clarify the distinction between types of insurance, such as liability and collision coverage, which would cover the insured for their own damages, contingent upon being not at fault or other specific conditions.