Under what circumstance would the insured be indemnified by her auto liability coverage?

Indemnification under auto liability coverage is specifically designed to protect the insured from financial loss arising from their responsibility for damages to others caused by their vehicle. In this context, the correct circumstance for indemnification would be if the insured causes an accident that leads to injuries. This is because auto liability insurance is structured to cover costs associated with bodily injury and property damage that the insured is legally responsible for after an accident.

The other options involve expenses that are not covered by auto liability insurance. For instance, fines for driving violations are penalties imposed by law enforcement and do not fall under the coverage of liability insurance. Similarly, fees for retrieving court documents pertain to legal processes or administrative costs, which are also not part of the indemnification scope of liability coverage. Lastly, repairing the vehicle after a collision involves comprehensive or collision coverage rather than liability, as it addresses the insured’s own vehicle damages rather than third-party claims. Thus, the correct answer highlights the foundational purpose of auto liability coverage, which is to indemnify the insured against claims made by injured third parties.