Question

What is liability car insurance?

Liability car insurance will cover injuries and property damage you cause to others in a car accident.

What makes liability car insurance crucial in the scenario of car insurance is the fact that it is mandatory in almost every state. However, the minimum limit will vary with each state. 

What does liability insurance cover? 

Liability car insurance essentially includes two major coverages: 

Bodily injury liability coverage 

With bodily injury liability coverage in place, your insurance will pay the opposite party (the people you injure) for their medical expenses, lost wages, and legal fees if you are in an accident.

Property damage liability coverage 

In an accident and the related damage that you may have caused, if you have property damage liability coverage, the repair and replacement cost on the opposite party’s property will be covered, which could be the car, a fence, or a building.

So, if someone hits you, your liability car insurance coverage will not cover the damage to your car. But if the driver who hits you has liability coverage, then that will pay for your damages. Therefore, what liability insurance coverage does not cover includes your own medical expenses and damages to your own vehicle.