What is Liability Car Insurance?

Liability car insurance protects you against the claims of other drivers for their injuries or damage to their vehicles or property in the event that you cause an accident, up to the limits of liability in your policy. Most states require that drivers have liability insurance up to certain minimum limits, and SafeAuto has specialized in helping drivers meet those requirements for over 25 years.

liability car insurance

In many states, if your car insurance policy has only liability coverage and you cause an accident, costs related to your injuries or damage to your car will not be covered.

What does liability car insurance cover?

Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as three amounts separated by slashes.

For example: $25/$50/$25

  • The first number is the maximum amount that your policy will pay for injury to any one person resulting from a covered accident (in thousands).
  • The second number represents the maximum amount that your policy will pay for all injuries sustained by two or more people resulting from a covered accident (in thousands). It is commonly twice the amount of the per-person bodily injury limit. The higher the amount, the more coverage your policy affords.
  • The final number is the maximum amount that your policy will pay for all property damaged (including vehicles) as a result of a covered accident (in thousands).

You can learn more about liability car insurance and the various other coverages over on our website. If you don’t currently carry car insurance or are looking to switch, a quote from SafeAuto is quick and easy. Answer a few questions about you, your car, and any other drivers and we create a customized quote in less than 3 minutes. You can get a quote online or by phone (1-800-723-3288). Once you purchase your policy, you will receive immediate coverage and proof of insurance.

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