Automobile Liability Insurance

What Does Automobile Liability Insurance Mean?

Automobile liability insurance is a type of coverage that protects the insured against damages they cause to a third party or their property while driving a vehicle. It does not cover damages to the driver, their own vehicle, or other property. This insurance does not have a deductible and is required in every state. State minimum requirements vary, and the legally required amount is often lower than what most drivers need to cover a serious accident, so it’s worth checking how much liability insurance you need before settling on the bare minimum.

Insuranceopedia Explains Automobile Liability Insurance

When at fault, the driver of the automobile is required to pay damages to all properties and individuals involved in the accident. This type of insurance protects not only the at-fault driver but also the victim. It ensures that the driver does not have to pay medical, emergency, or funeral expenses out of pocket. Additionally, it covers all types of legal fees in the event of a lawsuit. Because it leaves out damage to your own vehicle, drivers often ask whether liability car insurance is enough on its own or whether collision and comprehensive coverage should be added.