Liability insurance covers bodily injury and property damage caused to others.
Explore reliable car insurance options to keep your vehicle protected against unexpected challenges.
Liability car insurance is essential, legally required coverage that protects others if you're at fault in an accident. It covers the cost of their injuries and property damage but does not cover your own losses. Without this insurance, you would face out-of-pocket expenses for medical, legal, and repair costs, which can be financially devastating.
Hospital bills, ambulance fees, rehabilitation, medication, and follow-up care for injured parties.
Compensation if the injured person can't work due to their injuries.
Coverage may extend to non-economic damages like emotional distress (depending on your policy and state).
If you’re sued, your policy helps cover legal fees and settlements.
In fatal accidents, this may include burial or cremation expenses.
Meets legal minimum requirements.
The most affordable option.
Helps protect your assets in case of a lawsuit.
Bodily injury liability covers medical-related expenses and legal costs for injuries you cause to other people. Property damage liability covers costs to repair or replace the other person’s damaged belongings, such as their car or home exterior.
Liability insurance may be enough for minimal legal compliance, but it won’t cover damage to your own vehicle or your medical bills after an accident. For broader protection, many drivers add collision, comprehensive, uninsured motorist, or personal injury protection to their policies.
Yes. If you own a vehicle, liability insurance is typically mandatory regardless of how often you drive. Accidents can happen at any time, and even infrequent drivers can be held responsible for significant damages.
Absolutely. While states set minimum liability requirements, increasing your coverage limits can offer better protection against lawsuits and costly claims—especially if you have personal assets to safeguard.
