Liability Car Insurance: What You Need to Know About Costs and Coverage

When it comes to car insurance, understanding the nuances of liability coverage is crucial. In this blog, we'll explore what liability car insurance entails, what it covers, and how to determine the right amount of coverage for your needs.

What Is Liability Car Insurance?

Liability car insurance is a fundamental component of auto insurance that provides coverage for bodily injury and property damage that you, as the policyholder, are legally responsible for due to an accident.

What Does Liability Insurance Cover?

The coverage includes -

1. Bodily Injury Liability: Covers medical expenses, legal fees, and compensation for injury or death sustained by others in an accident where you are at fault.
2. Property Damage Liability: Provides coverage for the repair or replacement of other people's property, such as vehicles or structures, that you damage in an accident.

Reading Liability Car Insurance Limits

Liability coverage limits are typically expressed as three numbers, such as 25/50/25. These numbers represent:

• Bodily Injury Limit per Person/Bodily Injury Limit per Accident: The maximum amount your insurance will pay for each injured person or all injuries in a single accident.
• Property Damage Limit: The maximum amount your insurance will pay for property damage in an accident.

What Doesn't Liability Insurance Cover?

Liability insurance does not cover damage to your vehicle or your medical expenses. To protect your vehicle and personal health, additional coverages like collision and comprehensive insurance are recommended.

How Much Does Liability Insurance Cost?

The cost of liability insurance varies based on factors such as your driving history, location, and coverage limits. On average, it is more affordable than comprehensive or collision coverage.

Do I Need Liability Car Insurance?

Liability car insurance is mandatory in most states to cover the costs of injuries and damages you may cause to others in an accident. Driving without it can result in legal consequences and financial liability.

How Much Liability Car Insurance Do I Need?

The appropriate amount of liability coverage depends on factors like your assets, income, and the potential financial impact of an accident. While state minimums exist, it's often advisable to choose higher limits for better protection.

Three Things to Consider When Getting Liability Insurance for Your Car

Consider the following things -

1. Asset Protection: Choose liability limits that align with the value of your assets. Higher limits can safeguard your personal assets in case of a lawsuit.
2. Risk Tolerance: Assess your risk tolerance and financial capacity. If you can afford higher premiums, it may be wise to opt for increased liability coverage.
3. State Requirements: Comply with your state's minimum liability insurance requirements. However, consider exceeding these minimums for enhanced protection.

Get Comprehensive Liability Car Insurance at Humble Insurance Group

Liability car insurance is a cornerstone of responsible driving, ensuring you can meet your financial obligations if you cause an accident. Consult Humble Insurance Group to assess your unique circumstances and provide tailored solutions that prioritize your financial well-being. For personalized guidance on selecting the right liability car insurance for your needs, contact us today. Call us at (425) 226-8221 to get started.

Contact Us