What is covered with liability insurance

Auto liability insurance coverage helps cover the costs of the other driver's property and bodily injuries if you're found at fault in an accident. ... If you have liability insurance, your insurance provider will cover costs for the driver's damaged car, minus your deductible, and up to your covered limit.

im going to come back to you?

the answer is true.  i do believe this is the answer because of the amount of wrecks people get into each year.  if you double this with avoiding those so said wrecks, that would make you a "skilled" driver.