Did you realize the state you live in will determine how much liability car insurance you carry? Or did you know that if your car is financed you will probably have to carry more than liability coverage? Believe it or not, there is a lot to know when it comes to liability auto insurance. The key to being a smart consumer and a protected river is being aware of all of this.

The first thing to know is:

• Some states require liability auto insurance and others require PIP (Personal Injury Protection) or no fault coverage. Either way almost every state requires some level of auto insurance coverage to drive legally. Get caught without it and you could end up with penalties, points against your license and hefty fines. Not to mention when you do go to get a policy in place, it could be a great deal more expensive.

With that out of the way, you should probably be aware of some other things about liability insurance coverage. Don’t take this lightly though. Drivers caught without the required state minimum car insurance coverage could also have their license suspended. The worst part is if you are the driver at fault in a collision and do not have insurance, you could be looking  at very serious legal and financial issues. In fact even if you are not at fault and are in a collision you may not be covered because you will be considered an illegal driver.

The bottom line is not to take chances when it comes to your auto insurance.

Other Interesting Facts about Liability

Sure, car insurance may not be your number one choice as a topic to read up on, but if you need a policy you realize the importance of learning what you need to in order to get the coverage required. You are probably wondering who needs liability car insurance. Here is a basic run down:

• If you do not have a car that is financed, are not borrowing someone else’s car and have health insurance, liability may be your best bet.

• However, if you lack medical coverage you may need better car insurance in case you are in an accident and end up with injuries.

• Also, if your car is financed, the lender will require you to carry more than a basic liability insurance policy. In fact the amount of coverage you may need can get a bit complicated, not to mention costly.

• In addition, if you have a vehicle with any blue book value, you may want to carry more than a basic liability policy. The reason is you will have to buy a new car if yours is totaled in a collision you cause.

Ready to get prices for premiums for car insurance?

By starting with nothing more than your own zip code you can get competitive quotes from policy providers. By doing this, in no time you could have the liability car insurance or an even better policy in no time at all.