Finding a good deal on a new or used car can be hard. After you get it, you’ll need to keep learning, and liability car insurance may be something you need to learn more about.
There are a lot more things that could be on the list, but the more you know about things like the full coverage premium, the cons of minimum coverage, or the minimum requirements in your state for car insurance, the better.
Your liability coverage in your car insurance will pay for any harm you cause to another person. This is called liability car insurance. It will also pay for any damage to property. In other words, if you cause an accident, it will pay for the damage or injuries.
How many types of liability car insurance are there?
There are really only two kinds. Damage to property and harm to persons are common names for these things. Let’s say your brakes don’t work, and you hit a parked car.
No one was hurt, but your liability car insurance will pay for any damage you may have done to property. If you didn’t have liability car insurance, you would have to use your savings to pay for the damage and maybe even a fine if having insurance is required where you live.
If you are at fault in an accident, liability coverage will pay for someone else’s medical bills. If you hurt someone, bodily injury coverage will pay for theirs.
What does liability car insurance often include?
You already know that it covers both injuries to people and damage to property. But you might want to see some examples of what this kind of coverage covers.
- it can cover the expenses to repair the other driver’s car if damaged
- Sometimes it may offer a rental car to the other driver while they get it serviced
- Often, drivers damage fences, buildings, and other structures, so they may be covered
- If you just hit a car with property inside and you damaged it, it may also be covered e.g. a Laptop or smartphone
- prescriptions and medical bills
- any lost wages due to the accident
- suffering and pain
- some legal fees
This means liability car insurance doesn’t cover damage to your property or any injuries you may sustain
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