third party liability coverage is personal liability coverage
that protects the customer from damages they incur due to the
wrongful acts of others when the liable person is uninsured or
underinsured. The coverage is designed to cover bodily injury,
property damage and personal injury resulting from occurrences not
involving an auto in which a liable third party is at fault, but is
uninsured or underinsured. For example, this would cover a
policyholder if a dog attacks his child and the dog owner is not
insured or is underinsured, or if a policyholder is injured at a
party on a deck that collapses and the homeowner is not insured or
is underinsured.