Liability Car Insurance is essential for covering damages and injuries you cause to others in an accident. Ensure you meet state requirements and protect yourself; get a free quote to see your options.
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Liability-Only Car Insurance
Liability car insurance only covers the damages you cause to another person's vehicle or property and any injuries they may incur due to an accident in which you are at fault.
What is Auto Liability Insurance?
Most states in the U.S. require that every driver carries at least liability insurance on their vehicle. This includes bodily injury liability coverage and property damage liability coverage, which both apply to the other people on the road if you cause an accident. Bodily injury liability coverage will pay for the injuries you cause to another driver, their passengers, or a pedestrian in an accident that is your fault. Property damage liability coverage will pay for the damages you cause to another person's vehicle or property in an accident that you cause. These two coverages comprise the liability insurance coverage portion of your auto policy because they respond to things you are liable for when you cause a car accident.
When you purchase your auto policy, you will select the limits that you want to carry on your policy for bodily injury liability coverage and property damage coverage. These limits will be represented as a split limit. For example, if you carry a split limit of 25/50/25, your insurer will pay up to $25,000 per person and $50,000 per accident for injuries you cause to another driver, their passengers, or a pedestrian. The policy will cover up to $25,000 for the damage you cause to the other person's car or other property, such as a fence, stone wall, house, mailbox, etc.
Is Auto Liability Coverage Required?
Bodily injury liability and property damage liability are required in all states in the U.S. except New Hampshire and Virginia. Each state has its own required amount of liability coverage that a driver must purchase to legally drive. You must purchase at least the minimum amount of coverage required, but you should consider purchasing additional liability coverage if you can afford it to avoid a financially devastating situation if you cause more damage or injuries than your policy limit will cover.
How Much Liability Car Insurance Should I Buy?
You should purchase as much liability insurance as you can afford. Raising your liability limits is typically inexpensive, and having higher limits can help you avoid having to pay extra out-of-pocket to settle a claim if your policy limits are insufficient.
If the bodily injury and property damage liability limits on your policy are not enough to cover the total cost of the damage and injuries that you cause in an accident, you may be responsible for paying the uncovered portion out of your own pocket. Carrying higher liability limits will ensure you have enough coverage for the property damage and injuries you cause to others so that you won't be sued for the additional cost of the claim. If you cannot settle the uncovered portion of a claim on your own, your assets could be accessed in a lawsuit or your wages may be attached to cover the additional cost.
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What Doesn't Auto Liability Insurance Cover?
Auto liability insurance does not cover:
• If your vehicle is damaged in an accident that is your fault, you would need to purchase collision coverage to protect it.
• Damages to your vehicle caused by animals, fire, theft, vandalism, or weather. You must purchase comprehensive coverage to protect your vehicle from these things.
• Injuries to you and your passengers. You would need to purchase personal injury protection (PIP) or medical payments (MedPay) coverage to cover your and your passengers' medical expenses resulting from an accident.
• Injuries to you and your passengers that exceed the policy limits on the at-fault driver's policy. You would need to purchase Uninsured/Underinsured Motorist coverage for the additional medical expenses you and your passengers suffer caused by an uninsured or underinsured driver.
How is the Cost of Liability Insurance Determined?
The cost of your auto liability insurance is based on:
•Your driving record: Auto insurance companies will look at your driving history to look for accidents, moving violations, and other claims that you may have on your driving record.
• Your age
• Where you live
• Your credit score (in some states)
• The amount of coverage that you want to buy
• The type of vehicle that you drive
You can speak with a licensed insurance agent or obtain quotes online through a comparative rating website such as Amax Insurance to determine your liability insurance's cost. Auto insurance rates vary greatly between car insurance companies, so you should get quotes from multiple insurance companies to find the best price for the coverage that you need.
How Can I Save on My Liability Car Insurance?
When you compare car insurance premiums, always ask or look for what discounts you may qualify for. Many auto insurance companies give discounts for paying your premium in full or putting it on an automatic payment plan. If it offers one, you can also sign up for your insurance company's telematics program, where your driving habits are tracked through an app on your smartphone or by installing a small device in your car. Discounts are available if you have taken a defensive driving course, are a good student, own a home, or are a veteran, among many other things. It's important to ask your insurance company or your insurance agent which discounts you qualify for so that your car insurance rates are as inexpensive as possible without compromising your auto coverage.
An account discount is one of the largest discounts you can gain on your auto insurance policy. This discount is applied to your car insurance if you bundle your homeowner's or renter's insurance with the same insurance company. Be sure to ask your insurance company or your insurance agent to quote both lines of coverage for you to get this discount.
Liability Car Insurance FAQs
Q: What does liability insurance cover?
A: Liability insurance covers you for bodily injury liability and property damage liability to pay for the injuries you cause to others and the damage you cause to their vehicle or other property in an accident that is your fault.
Q: Is liability insurance required?
A: All states in the U.S. except New Hampshire and Virginia require that drivers carry bodily injury liability and property damage liability coverage on their vehicles to drive legally.
Q: What is not covered by liability car insurance?
A: Liability insurance does not cover the damages to your vehicle or the injuries you and your passengers incur due to an accident that is your fault.
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