The short answer: it can cover civil liability if it arises out of negligence due to the driver.
Your third party coverage, which is usually denoted as bodily/physical injury are your limits for injuries to other drivers. For example, many people have $100,000/$300,000 split limits for bodily injury. This means that your insurance company will cover $100,000 per person and $300,000 total per accident. Depending upon your policy, attorney's fees are either included in this limit or have a separate limit. If included in the limit, legal defense expires once the insurance company has paid out the total amount of the policy (i.e. $100,000 per person or $300,000 for the accident).
A good way to avoid being left with huge attorney fees is to either purchase much higher physical injury limits or get an umbrella policy. The umbrella will kick in after you have used up your physical injury limits and cover you up to the stated amount of the umbrella policy.
Again, keep in mind that you will only be covered if your negligence is covered within the policy.
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Your third party coverage, which is usually denoted as bodily/physical injury are your limits for injuries to other drivers. For example, many people have $100,000/$300,000 split limits for bodily injury. This means that your insurance company will cover $100,000 per person and $300,000 total per accident. Depending upon your policy, attorney's fees are either included in this limit or have a separate limit. If included in the limit, legal defense expires once the insurance company has paid out the total amount of the policy (i.e. $100,000 per person or $300,000 for the accident).
A good way to avoid being left with huge attorney fees is to either purchase much higher physical injury limits or get an umbrella policy. The umbrella will kick in after you have used up your physical injury limits and cover you up to the stated amount of the umbrella policy.
Again, keep in mind that you will only be covered if your negligence is covered within the policy.