When it comes to car insurance, a lot of people don’t really understand what it is all about. They just know that they must have it in order to be able to have their vehicles on the roads legally. Often, insurance agents don’t take the time to fully explain policies to customers, and they end up going home confused and having more questions than before they started. If you are getting liability car insurance quotes, make sure that you have a list of questions prepared if you are actually speaking with someone. That way, you will have a complete understanding of what you need to have.

What are You Covered For?

When you get liability car insurance quotes, the coverage is broken down into the following categories:

• BDL/BI or Bodily Injury – Covers expenses if you are at fault in an accident and others are injured. There are two types of bodily injury coverage: per-person and total accident.
• PD/PDL or Property Damage  – If you are at fault in an accident and cause damage to someone else’s property, you are covered with this insurance. Most of the time the damage will be to another vehicle, but it can also include homes, fences and other property.

It is important that you know exactly what your insurance policy covers. It may be that you will want to have additional coverage over and above liability, especially if you own a newer model vehicle.

Some Interesting Facts about Liability Insurance

Here are some more things you should know about liability coverage:

• Liability Insurance is Required – In most states, you are required to carry a certain amount of liability coverage. You will need to check with your insurer or the Department of Motor Vehicles to find out the requirements for your state. This coverage will pay for the expenses of others if they are injured or need vehicle repairs following an accident where you are at fault. No matter what type of vehicle you drive, you are required to carry a certain amount of liability insurance.
• Your Own Expenses are NOT Covered – If this is the only insurance coverage you have, you will not be able to claim any of your own expenses following an accident. This means that if you total your vehicle, you are responsible for replacing it yourself. This is why it is recommended that drivers carry more than the minimum required amount, and have additional coverage, such as collision, comprehensive and uninsured/underinsured drivers. If you have additional coverage, you will be able to recoup a lot of your losses.
• Sometimes Liability ONLY is Actually Best – In some cases, it may actually be better to have just liability coverage on a vehicle. For example, if you drive an old clunker that isn’t worth a lot, you are not going to need to have all kinds of coverage on it. In fact, you would be paying more for the coverage than the vehicle is actually worth. If your vehicle has damage to it, you may also want to consider foregoing the additional insurance. Depending on the age and condition of your vehicle, it may even be that your insurer will only cover you for liability and nothing else.
• Other Times You MUST Have More – Even if you do have an older vehicle, there may be occasions where you will be required to carry more than the minimum amount of liability coverage that is required by the state. If your vehicle is financed or leased, you will probably have to get additional comprehensive and collision coverage, at least until the car is paid off. This is so that the lender will be protected even if the vehicle is a total write-off.

It Pays to Shop Around

If you want to save money, you need to get several liability car insurance quotes before you actually make any purchases. This is because insurers all charge different rates, and if you take the first policy that is offered to you, it may be that you are not getting the best deal. We can help make sure that you get the absolute best rates for all of your auto insurance, including liability. Just fill out the short questionnaire and let us know exactly what you are looking for. We don’t need any personal information, just your zip code, which we will use to get quotes from many insurers in your area. Even if you already have insurance, let us get quotes for you anyway. You just might end up getting a better deal.