Insurance that covers injury or loss to other people for which you are responsible is

1.) property coverage
2.) disability insurance
3.) life insurance
4.) liability coverage

"Liability insurance" has two parts:

This applies for both, the individual who has the insurance as well as the people that have been involved in the accident who have suffered any damage regarding the parts previously mentioned.  

The correct option is 4) liability coverage

Liability insurance is the basic insurance coverage that covers injuries or damage to other people or property if you're at fault for an accident. In other words the insurance that covers injury or loss to other people for which you are responsible is known as liability coverage. Most homeowners insurance policies provide a minimum of $100,000 worth of liability insurance, but higher amounts are also claimed.

a.. a conflict between her competing identities.. apex