Compare Auto
Insurance Rates
Find the Lowest Car Insurance Rates!
Enter Your Zip Code


Are you insured? Yes No

Get up to 4 Quotes in under 30 seconds!
Compare insurance rates from these companies and up to 30 others!

Understanding liability insurance

The roads are not as safe as they used to be. In recent years, the number of accidents has gone up and while auto insurance can protect you, what about the damages claimed by the other party that was involved in the accident? In all such cases, it is your liability to pay for any such damages. This is where liability insurance can come to your aid.

Liability insurance can be defined as the protection from the money you are legally bound to pay because of any damage, either physical or to the property of another person. In other words, if you are involved in an accident and if there has been any property damage or physical harm caused to another person, your insurance company will pay the money that is owed, on your behalf if you have liability insurance. If such an eventuality really arises, you may be sued for the total cost of damages that may include medical and hospital charges, rehabilitation charges, property damages, loss of any income and even for the suffering and pain caused. But with liability insurance, you will be naturally protected.

Another Reason That Makes Liability Insurance Such A Great Idea

Do you know that the cost of liability insurance is much less than the cost of a full coverage? In full coverage insurance, payment must be made not only for your vehicle, but also that of the other that was involved in the collision. Plus, there is the cost for any property damage and/or medical expenses as was mentioned above. Liability insurance however deals with just the losses of the other party. Here the priority is the claims arising out of any damages to a third party.

Two Types Of Liability Insurance

From the above discussion, we can thus say that there are two distinct types of liability insurance and they are..

  • Physical injury liability that protects you when a person got injured, and perhaps even killed in an accident in which you were involved.
  • Property liability when the property of someone else is damaged such as the mailbox, fence etc.

Thus you see, vehicle insurance is not enough - you also need liability insurance.

Regulations In The US For Liability Insurance

In most US states, car insurance related to liability is a must but the regulations tend to differ from one to another. In Virginia, you will have to make a payment of $500 every year for each vehicle if you do not have liability insurance. And in North Carolina, it is a must that you have it because otherwise, even the license cannot be issued to you. However in New Hampshire, it is not mandatory for you to have it. In many states there is a requirement for minimum liability insurance where $20,000 is the amount for injuries, $10,000 for any damage to property and $40,000 for all injuries covering everything.

It is in your own interest to go beyond auto insurance. You must ask for liability insurance to protect yourself from the unforeseen - because you never know what can happen on the road.

Auto Insurance Articles
Ten Tips for Auto Insurance Buyers
Auto Insurance Glossary
Car Insurance: Everything You Need To Know
A Few Important Things to Know About Auto Insurance
Do I need auto insurance?
Is it mandatory to have vehicle insurance
Understanding liability insurance
Auto Insurance Information You Need To Know
The Facts Behind Auto Liability Insurance
Auto Insurance Coverage Is Something You Must Have
Understanding Auto Insurance Claims
Car Accidents Will Happen
No-Fault Insurance (It Does Not Cover Earthquakes!)
DUI's and YOU'
Auto Insurance (Abridged) Glossary of Terms

How to Find Affordable Auto Insurance on the Internet
The Best Auto Insurance Quotes
Looking for Cheap Auto Insurance Quotes?
Comparing Auto Insurance: The Best Way to the Best Policy
A Few Things to Remember When Looking for Auto Insurance
Auto Insurance Online - The New Way to Get Your Vehicle Covered
How to find the best auto insurance
Tips on finding low cost auto insurance
Making Auto Insurance Comparisons Is Important
What You Need To Remember About Auto Insurance Quotes Online
Finding Affordable Auto Insurance
The Search (for Auto Insurance Discounts) Is Over

Just How Much Car Insurance is Required
Five Important Factors That Influence Auto Insurance Premiums
Expensive Cars to Insure
Does Driving a SUV Mean Higher Car Insurance Rates?
Questions About Auto Insurance - You Must Know The Answers To!
Understanding Car Insurance Quotes
Auto Insurance Ratings
Have you read the fine print on your auto insurance terms?
Is it possible to buy good cheap auto insurance and what does that mean exactly?
Don't Be a Claim Duck!
What to Consider When Buying Auto Insurance
Insurance Rate Traits

Some Money-Saving Tips for Auto Insurance
Save Money with Auto Insurance Tips
The Importance of Saving Money on Auto Insurance
Affordable auto insurance - is that possible?
How To Save Money With Auto Insurance
Avoid Paying Too Much for Car Insurance
Is there really a thing such as discount auto insurance?
Saving Money is the Best Insurance Policy
Lower Rates for Your Midlife Crisis Car