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Liability Car Insurance
Liability car insurance is required by 49 out of 50 states and the District of Columbia. But like a lot of drivers, you may not know what it is, how it protects you, or how much you need. State Farm® is here to help.
“Liability car insurance” or “liability coverage” is insurance that pays other parties when they’re hurt or their property is damaged in an accident and the insured is considered “at-fault.”
And while drivers must have liability car insurance with minimum required limits in almost every state, it’s often a good idea for drivers to purchase more coverage than the law requires.
Liability Insurance Example
Let’s say you were distracted while backing out of a parking space and didn’t see the car behind you. You hit the other car, slightly injuring the driver and her passenger. After the impact, one of the two cars rolls into a nearby fence.
In this case, you’d be considered “at-fault,” and your auto liability insurance would pay damages for the bodily injury to others. These damages include medical expenses, pain and suffering, and lost wages. Your liability insurance would also pay to repair the damage to the other car and for damage to the fence.
What Does Liability Insurance Cover?
There are two kinds of liability car insurance. Each covers different items:
Bodily Injury Liability pays damages due to bodily injury to others when you are responsible for the accident. Medical expenses, pain and suffering, and lost wages are some examples of bodily injury damages. If you are sued, it also pays your defense and court costs.
Property Damage Liability pays for damage done to another party’s property and for the loss of use of that property.
What Liability Car Insurance Doesn’t Cover
If you’re responsible for an accident, your liability coverage won’t pay to repair damage done to your vehicle or for any injuries you may have received.
