- Liability Car Insurance
- Liability Car Insurance Basics
- What Coverages Are Available To You
- What is the difference between liability and full coverage insurance?
- Should You Get Full Coverage Calculator
- Do You Really Need Liability Insurance?
- Find Your States Liability Requirement
- INSURANCE SERVICES WE OFFER
Liability Car Insurance Basics
Liability car insurance is a type of insurance that provides coverage for damages or injuries that you cause to other people or their property while operating your vehicle. It is mandatory and it is a fundamental type of auto insurance coverage that every driver should have. Liability car insurance typically includes two types of coverage: bodily injury liability and property damage liability:
- Bodily Injury – Pays for medical expenses, lost wages, and other damages that you may be responsible for if you injure someone in an accident while driving your vehicle.
- Property Damage – Pays for damages to someone else’s property, such as their vehicle, fence, or home, that you cause while driving.
Keep in mind that liability car insurance only covers damages or injuries you cause to others; it does not cover your own injuries or damages to your own vehicle.
What Coverages Are Available To You
Auto insurance policies typically offer several types of coverage options to protect drivers and their vehicles from various risks. The most common types of coverage available for auto insurance policies include:
- Liability Coverage: This coverage protects the policyholder in the event they cause an accident that results in property damage or bodily injury to another person. It typically includes both bodily injury liability and property damage liability.
- Collision Coverage: This coverage pays for damages to the policyholder’s vehicle in the event of a collision with another vehicle or object.
- Comprehensive Coverage: This coverage pays for damages to the policyholder’s vehicle caused by non-collision events such as theft, vandalism, or natural disasters.
- Personal Injury Protection (PIP): This coverage provides medical expenses and lost wages coverage for the policyholder and their passengers in the event of an accident, regardless of who was at fault.
- Uninsured/Underinsured Motorist Coverage: This coverage protects the policyholder if they are involved in an accident with someone who doesn’t have enough insurance or no insurance at all.
- Roadside Assistance: This coverage provides assistance if the policyholder’s vehicle breaks down or if they need help with a flat tire, dead battery, or other roadside emergencies.
- Rental Reimbursement: This coverage provides reimbursement for the cost of renting a replacement vehicle while your own vehicle is being repaired or replaced after an accident.
It’s important to understand the different types of coverage available and to choose the right ones that meet your needs and budget.
What is the difference between liability and full coverage insurance?
Liability insurance typically covers only the damages and injuries you may cause to others in an accident. It includes two types of coverage: bodily injury liability, which pays for the other person’s medical expenses, lost wages, and other damages if you’re at fault in an accident that causes injury or death, and property damage liability, which pays for the repair or replacement of the other person’s vehicle or property if you’re at fault in an accident. Liability insurance does not cover your own damages or injuries in an accident.
On the other hand, full coverage insurance includes both liability coverage and coverage for your own vehicle. It typically includes collision coverage, which pays for damages to your vehicle in the event of an accident, regardless of who is at fault, and comprehensive coverage, which covers non-collision events such as theft, vandalism, or natural disasters.
While liability insurance is the minimum legal requirement in most states, full coverage insurance is optional.
Full coverage insurance can provide greater protection and peace of mind for drivers, especially those who have financed or leased their vehicle and want to protect their investment.
Should You Get Full Coverage Calculator
Do You Really Need Liability Insurance?
Yes, a driver typically needs liability insurance to legally operate a vehicle in most places. Liability insurance for drivers helps protect them financially in case they are found responsible for causing harm or damage to someone else while driving.
If a driver causes an accident that injures another person or damages their property, they may be held legally responsible for the costs of medical bills, repairs, and other damages. Liability insurance can help cover these costs, up to the policy limits, so the driver doesn’t have to pay out of pocket.
Also, liability insurance can help cover legal fees and any damages awarded to the other party if they decide to sue the driver. Without liability insurance, the driver may be personally responsible for paying these costs, which can be significant and even lead to financial ruin.
It’s important to note that the required minimum liability insurance coverage may vary by state or country, so it’s essential to check the specific requirements where you live and drive. In any case, liability insurance is a critical protection for drivers to have in case of accidents or other incidents on the road.
Find Your States Liability Requirement
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