What type of insurance policy covers damages or injuries from a motor vehicle operation?

A motor vehicle liability policy is specifically designed to cover damages or injuries that occur as a result of operating a motor vehicle. This type of insurance is crucial for drivers, as it provides financial protection against claims made by other drivers, passengers, pedestrians, or property owners. It typically covers both bodily injury and property damage liability, ensuring the policyholder can manage the costs associated with accidents they may cause while driving.

In contrast, homeowners insurance primarily protects property and liability related to the ownership of a home, not vehicle operation. Property insurance covers physical assets such as buildings and personal belongings but does not extend to auto-related incidents. Health insurance focuses on covering medical expenses for illnesses and injuries but would not address liability for damages related to motor vehicle use. Therefore, the motor vehicle liability policy is the appropriate form of coverage for the context of the question.