To simplify, liability insurance covers damages you do to others, while full coverage policies cover both your liability and property damage to your own vehicle.

What is just liability coverage?

Car liability insurance only covers injuries or damages to third parties and their property—not to the driver or the driver’s property, which may be separately covered by other parts of their policy. The two components of liability car insurance are bodily injury liability and property damage liability.

Is there a deductible for liability coverage?

There is no car insurance deductible on a liability claim, meaning you pay nothing out-of-pocket for an accident in which your insurer pays for the damages and/or injuries you caused to another person, up to your policy’s limits.

What does it mean to have liability car insurance?

Liability car insurance is the part of a car insurance policy that provides financial protection for a driver who harms someone else or their property while operating a vehicle.

How much liability insurance do I need for a car accident?

$15,000 of bodily injury coverage per person injured in an accident caused by you. With a maximum of $30,000 for everyone injured in that accident. In addition, you must carry insurance covering at least $5,000 of property damage. The list below shows the liability insurance minimums for every state.

What are the different types of liability insurance?

Liability car insurance consists of two types of coverage: The bodily injury liability portion of an car insurance policy covers an at-fault driver, so they are not liable for others’ emergency and ongoing medical expenses, loss of income, or funeral costs. It also helps cover the policyholder’s legal fees when the accident results in a lawsuit.

What’s the difference between property damage and liability insurance?

Unlike property damage liability insurance, which covers another person’s car if you damage it, collision and comprehensive insurance cover your own car. Collision insurance helps pay to repair or replace your car if it’s damaged in an accident involving another vehicle or an object, such as a tree or a wall 3.