The liability of a wrongdoer’s automobile insuranceInsurance coverage that provides indemnity and/or compensation for injury or physical damage which ensues from the ownership, use or operation of an a... More company to pay someone harmed by the wrongdoer, even if the wrongdoer has violated the terms of the insurance policyA written contract of insurance. More, for example, by driving with an expired license. This is subject to a limit, usually $200,000, and the requirement that the wrongdoer in violation of the contract must reimburse the insurerThe company providing the insurance coverage. More.