Liability Car Insurance
Liability car insurance is the foundation of most auto insurance policies and is required in nearly every state. It covers the costs of injuries and property damage that you cause to others in an accident.
What Is Liability Car Insurance?
Liability insurance is split into two key parts:
- Bodily Injury Liability: Pays for medical bills, legal fees, and lost wages for injured parties.
- Property Damage Liability: Covers repair or replacement costs for damaged vehicles or property.
Do You Need Liability Coverage?
Yes — most states mandate minimum liability coverage amounts. Driving without it can lead to license suspension, fines, or legal issues.
How Much Coverage Should You Have?
Minimums vary by state, but experts recommend purchasing higher limits to protect personal assets in case of a serious accident. Common limits are:
- $100,000 per person
- $300,000 per accident (bodily injury)
- $100,000 property damage
What’s Not Covered by Liability Insurance?
Liability insurance does not cover:
- Your medical bills
- Vandalism or theft
For those protections, you’ll need full coverage, including collision and comprehensive policies.
Compare Liability vs. Full Coverage
Not sure if you need more than liability? Check out our liability vs. full coverage guide to weigh the pros and cons.
Get the Right Coverage
Liability coverage is the legal minimum, but not always the safest option. Talk to an agent or get a quote to build a policy that fits your needs and budget.