What is Liability Insurance?

Liability Insurance is divided into two categories: bodily injury and property damage liability.

Liability coverage is a crucial aspect of auto insurance, as it protects you from financial responsibility if you are at fault in an accident. In this article, we'll explain what liability coverage is, how it works, and why it's important to have.

Liability coverage is divided into two categories: bodily injury liability and property damage liability. Bodily injury liability covers medical expenses and lost wages for the other driver and passengers if you are at fault in an accident. Property damage liability covers damages to the other driver's vehicle or any other property that was damaged in the accident.

It's important to note that liability coverage only applies if you are at fault in an accident. If the other driver is at fault, their liability coverage will be responsible for covering your damages.

Liability coverage is required by law. It's important to make sure you have enough liability coverage to protect yourself financially in the event of an accident. If you don't have enough coverage, you could be personally responsible for paying any damages that exceed your coverage limits.

In conclusion, liability coverage is an essential part of auto insurance that protects you from financial responsibility if you are at fault in an accident. Make sure you have enough coverage to protect yourself and your assets.