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Liability coverage is "third-party" insurance that pays for injuries or death to another person as a result of the insured's negligence (carelessness). There are different types of it, not just car-related. Whether or not it applies in a given situation depends upon the dynamics of the occurrence.
Therefore, if the theory of the negligence was, for example, that a landowner created a dangerous condition that proximately caused the single-car collision, the landowner's liability insurance could arguably be triggered so as to cover the incident.
If a passenger was killed in a single car collision, the driver/owner's liability coverage may be triggered if the driver was negligent in the operation of the vehicle.
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