What does insurance coverage provide to a driver?

Insurance coverage provides protection against accidents or damages, which is fundamental to its purpose. When drivers purchase insurance, they are primarily seeking financial support in the event of a collision, theft, or damage to their vehicle or property. This could include covering medical costs for injuries sustained in an accident, paying for repairs to a vehicle, or compensating third parties for damages or injuries they may cause.

The other options, while they might seem appealing, do not accurately capture what insurance coverage is designed to do. Legal representation in accidents generally requires a separate legal service and is not included under standard insurance policies. Similarly, monthly vehicle maintenance and fuel discounts are associated with the cost of owning and operating a vehicle but are not relevant to the function of insurance. Hence, option B clearly encapsulates the protective financial aspect of having insurance coverage for a driver.