USAA car insurance liability coverage: what you should know

While you cannot always control car accidents, you can protect against the financial damage with proper insurance. USAA car insurance liability coverage can provide you with an extra level of peace of mind, and it's always useful to know what liability car insurance from USAA actually covers before you decide to choose this type of insurance.

A long history of service

USAA launched in 1922 as the brainchild of a group of soldiers in the U.S. Army, who realized that insurance would help protect them in case of accidents. While the company originally protected only active military men and women, you can now get USAA car insurance liability coverage (and any other USAA products or services) if you are active or retired military or if you are a relative of an active or retired member of the military.

Know your state's requirements

Car insurance liability coverage from USAA covers two general areas:

• Bodily injury liability
• Property damage liability

In both instances, liability coverage only covers other people and property injured or damaged as the result of your driving or that of anyone else listed under your plan, including your teenaged children or spouse.

Find free quotes on car insurance liability coverage here

Bodily injuries refer to any injuries that occur as the result of your driving, but the policy only covers people in the other vehicles involved. The policy will also cover any deaths to others that occur because of the accident you or someone covered on your policy causes.

Personal property damage may include damage done to other cars or a homeowner's fence or home. Property damage liability does not cover damage to your own property or injuries that occur to those in your car. You need a different type of insurance that is more comprehensive than liability car insurance from USAA to address those instances.

(Learn more about all your car insurance coverage options from USAA here)

Every state sets minimum required levels of both bodily injury and property damage liability coverage licensed drivers are expected to carry and keep current. These levels are notoriously low and since liability coverage is generally the least expensive car insurance option you can purchase, every insurance expert will tell you to get as much liability coverage as you can reasonably afford. The reason for that is simple. If you cause more damage to other parties in an accident than you have liability coverage set in place for, you can open yourself to a wide range of unpleasant legal actions.

While it's critical to know what your legal requirements for liability coverage are, USAA can help you exceed those limits, giving you and your family added peace of mind.

Take advantage of discounts

USAA makes auto insurance more affordable by offering various discounts for drivers. If you are eligible for a few of these discounts, you might find it easier to afford full coverage or comprehensive coverage. The company offers a discount for:

• Teenagers/students who consistently receive good grades in school
• Drivers who attend a qualified driving school or defensive driver training
• Combining or bundling other lines of insurance with USAA
• Insuring more than one car on your USAA policy
• Driving certain distances over the course of a policy period
• Keeping a clean driving record clean for at least four years

Liability insurance can reduce the out-of-pocket costs that you pay after you, or someone in your family, causes an automobile accident. It is also a requirement in every state for licensed drivers.

To get a better sense of what level of coverage you should have for your liability car insurance, you may want to speak with an experienced insurance agent who can tell you if USAA car insurance liability coverage is a good choice for you. Reply! can help by connecting you to car insurance professionals in your area who can answer all your questions and put a car insurance coverage package together perfectly suited to your unique needs.