What Is Liability Auto Insurance?

Liability auto insurance is a type of auto insurance policy that protects other drivers in case of an accident. However, it does not cover your own medical expenses or other costs. If you are involved in an accident with someone and they have large amounts of money, liability coverage may not be enough. Without this type of coverage, you may find yourself stuck paying out of pocket for the damages to your own car and for other people’s. teen auto insurance quotes

Liability auto insurance limits vary by state. You can ask your auto insurance agent to explain what the minimum limits are in your state. The limits that you need to purchase will depend on the value of your personal assets. Although a fender-bender may not require a large amount of money, a serious accident can lead to substantial medical costs. Getting a low state minimum may not be enough to cover these expenses.

Liability auto insurance coverage covers bodily injury and property damage caused by an accident. Bodily injury liability covers medical costs and lost income. Most states, except Florida, require motorists to have bodily injury coverage. Property damage liability insurance pays for the cost of repairs to a victim’s car up to the policy limit, as well as any legal fees.