Every time you get into your vehicle, you are putting yourself and others at risk. This is why it is so important to have liability car insurance. This is coverage that insurers offer that will pay for bodily image that is caused to others if you are at fault in an accident. Often, people sue following accidents to recoup their own losses, and unless the person being sued has enough coverage, they could end up facing a lot of debt.

Types of Liability Insurance

Liability car insurance comes in two different forms: bodily injury and property damage.

• Bodily Injury – This will pay for medical expenses that arise when someone is injured in an auto accident.
• Property Damage – This covers vehicle repairs and other damage to the personal property of those involved in an accident where you were at fault.

Are there Limits to the Coverage?

Any insurance policy has limits; these limits are up to you, and will depend on how much you are willing to pay for your coverage. You get to choose your own coverage limit, which will be the maximum amount that will be paid out if you cause an accident and there are damages involved. Any additional costs will have to be covered out-of-pocket.

How Much Does it Cost?

When many people ask, “what is liability car insurance”, the main thing they want to know is how much it costs. A number of factors are taken into consideration by insurers when deciding how much to charge you for coverage. For example, if you have an excellent driving record with no blemishes, you may be eligible to receive some savings. Other discounts you may be eligible for include:

• Association Memberships: If you belong to AARP, AAA or other associations, you may be entitled do savings on your liability car insurance.
• Military Discounts – Members of the military and veterans are often eligible for discounts.
• Age: Many insurers will offer discounts to people aged 50 and older.

Not all insurance companies offer the same discounts. Getting quotes from many insurers will allow you to see who is offering which discounts, and which ones you are eligible for.

Full or Liability Coverage: Which Should You Have?

Every stately has laws regarding the minimum amount of liability coverage that drivers must carry. Full coverage is comprehensive and collision insurance that is over and above liability. This will cover your own damages, including to your vehicle, if you are at fault in a collision. Other incidents that can be covered include damage from fire, vandalism, severe weather, etc. You are even covered if you hit an animal while driving and there are damages.

Whether you want just liability car insurance or full coverage, you want to know you’re getting the best rates. We can get you many online quotes in minutes. All we need is your zip code, and we can provide you with quotes from insurers in your area.