What is Liability Auto Insurance Coverage?

Liability insurance, also referred to as state minimum coverage, is the most basic type of auto insurance coverage you can purchase while complying with state insurance requirements. This type of coverage can be a more affordable option for some drivers. Liability insurance is designed to help pay for expenses for the other person if you cause a car accident or damage someone’s property with your vehicle. It is important to note that liability insurance does not provide coverage for damage to your vehicle. You may want to consider purchasing full coverage auto insurance to make sure your vehicle is covered in case of an accident.

Liability insurance coverage consists of bodily injury and property damage coverages. If you cause an accident, bodily injury coverage will help pay for the other driver’s medical expenses and any lost income because of injuries sustained due to the accident. Bodily injury coverage may also help cover some of your legal fees if you must go to court. Property damage liability coverage helps pay to repair any damage you cause to another person’s property or vehicle.

Remember, the cheapest coverage is not always the best. Comparing quotes can help you find the right coverage for you at a price you feel comfortable. It is reccomended that you compare liability insurance quotes from at least 3 different companies to make sure you are getting the best rate possible.