Which of the following is the best case for the need for third party liability insurance coverage?

Which of the following is the best case for the need for third party liability insurance coverage?

You cause a car accident which disables a pedestrian.

You cause a car accident and the injuries cause you to miss six months of work.

You cause a car accident and damage your Honda Civic.

You cause a car accident and the cost of medical care for other passengers in your car.