Auto liability insurance coverage helps cover the costs of the other driver’s property and bodily injuries if you’re found at fault in an accident. If you have liability insurance, your insurance provider will cover costs for the driver’s damaged car, minus your deductible, and up to your covered limit.

Does liability cover at fault accidents?

Basically, liability coverage is a part of your car insurance policy, and helps pay for the other driver’s expenses if you cause a car accident. Bodily injury liability helps pay for the other driver’s medical bills, lost income, and emergency aid if they’re hurt in the car accident and you’re at fault.

What should my auto insurance cover for an at-fault accident?

So, if you have just the minimum liability coverage required by law, you’ll be footing the bill for your own car’s repairs and your medical bills if you cause an accident. To be completely covered for an at-fault accident, you should carry the following types of insurance in addition to the liability coverage required by your state.

Why do I need liability insurance for my car?

Liability insurance covers the driver of another vehicle if you are in an accident that is your fault. It doesn’t cover you, your injuries or your car. Still, it can help protect you from being personally sued if you have purchased enough liability insurance to cover the other party’s losses.

What happens to my car insurance if I cause an accident?

Liability insurance covers only the other driver’s expenses. So, if you have just the minimum liability coverage required by law, you’ll be footing the bill for your own car’s repairs and your medical bills if you cause an accident.

Do you have to have car insurance if there is no fault?

However, your basic no-fault auto insurance policy will not pay for damages to your car, according to Michigan’s Office of Financial and Insurance Regulation. You still will need to buy collision coverage. See how much you could save today on your car insurance. Get your free auto insurance quotes today!