Which of the following would not be categorized as "first party" coverage under a personal auto policy?

In the context of personal auto insurance, "first party" coverage refers to the protection that the insured has for their own losses. This includes coverages that pay for damages to the insured's vehicle or medical expenses regardless of fault.

Collision coverage is first party coverage because it pays for damages to the insured's vehicle resulting from a collision with another vehicle or object. Comprehensive coverage is similarly classified as first party, as it covers damages to the insured's vehicle due to non-collision events, such as theft or natural disasters. Medical payments coverage also falls under first party coverage, as it provides for medical expenses incurred by the insured and passengers in the vehicle, without regard to fault.

Liability coverage, on the other hand, is designed to cover costs arising from damages or injuries the insured is legally responsible for causing to others. It does not provide any benefit to the insured themselves, which is why it is categorized as third party coverage. This key aspect distinguishes liability coverage from the other types presented, making it the only one that does not fall under the "first party" categorization.