Liability insurance protects you financially should you be found at fault for another driver's injuries or property damage following an accident. Nearly all states require drivers to carry liability insurance, although coverage minimums vary.
Liability insurance will typically cover the following:
Although liability insurance may cover various expenses, it does not operate like a blank check. Liability insurance typically has coverage limits that fall into three categories:
For example, a liability policy may cover up to $25,000 in bodily injury costs per person, up to $50,000 in bodily injury costs per accident (if more than one person is injured), and up to $15,000 in property damage. You may see this expressed as $25,000/$50,000/$15,000 or 25/50/15 in shorthand on your policy.
States with mandatory Auto Insurance laws have minimum limits of Liability Insurance coverage which all drivers must purchase. Since every state is different, you can refer to our auto insurance guidelines by state page to learn more about your state's requirements.
Whatever limits you choose on your policy, if the costs for a given incident exceed those limits, you will be required to pay for the rest out of pocket. That's why purchasing a policy with adequate coverage limits is vital. Our insurance specialists can help you pick an amount that's right for you.
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