What is liability car insurance?

issuing time: 2022-04-18

Liability insurance is one of the most common types of car insurance. It covers damage that you cause to other people or property in an accident. It does not cover damage to your own car.

Liability insurance has two parts: bodily injury and property damage. Bodily injury pays for the medical expenses and lost wages of people who are injured in an accident that you cause. Property damage pays for the repair or replacement of things like cars, buildings, and fences that you damage in an accident.

Most states have laws that require you to have some amount of liability insurance. The amount varies from state to state, but it is typically around $25,000/$50,000/$10,000. This means that your insurer will pay up to $25,000 for bodily injury per person involved in an accident, up to $50,000 total for all injuries in the accident, and up to $10,000 for property damage caused by the accident.

If you cause an accident that results in injuries or property damage that exceeds these amounts, you will be responsible for paying the difference yourself. That is why it is important to make sure you have enough liability coverage – so that you are not left with a huge bill if you cause a serious accident.

What does liability car insurance cover?

Liability car insurance covers you if someone is injured or killed as a result of your driving. This type of coverage can help pay for medical expenses, lost wages, and other costs associated with the accident.

How much does liability car insurance cost?

Liability car insurance typically covers damages you or someone else causes to someone else's car, as well as injuries that occur while driving your car. It may also cover property damage to other people's cars, homes, and other property. Some policies also include coverage for medical expenses if you are injured in a car accident.

Do I need liability car insurance?

Generally, liability car insurance covers you if someone is injured or damages your car while driving it. This type of coverage can also include property damage to other people or their cars if you are involved in an accident. You may also need uninsured motorist coverage if someone else is at fault for the accident and they do not have insurance.

What happens if I don't have liability car insurance?

If you don't have liability car insurance, you may be held liable for any accidents that occur while driving your vehicle. This could include personal injury or property damage. Without liability car insurance, you may also be subject to fines from the police and/or the court system.

What is the minimum amount of liability car insurance required in my state?

There is no definitive answer to this question as it varies from state to state. However, typically, liability car insurance policies will cover you for damages that you or someone else causes while driving your vehicle, as well as any injuries that occur as a result. In some cases, the policy may also cover property damage that occurs during an accident. It is important to check with your own insurance company to see what specific coverage is offered in your state.

Can I get sued for not having enough liability coverage on my car insurance policy?

Generally, liability car insurance covers you for damages you cause to other people or their property while driving your car. This coverage can include damages from accidents, collisions, and even if you are at fault. However, it is important to note that not all states require liability insurance on cars. So, if you do not have this coverage on your policy, you may still be able to sue someone who harms you in a car accident regardless of whether or not your state requires it.

If I cause an accident, will my regular auto insurance policy cover me or do I need to purchase additional coverage?

Your regular auto insurance policy should cover you if you are at fault in an accident. If you have additional coverage, such as liability insurance, your policy may provide more coverage than what is required by law. You should always check with your insurer to be sure.