I’m looking to understand car liability insurance better. Can someone explain what car liability insurance is and what it typically covers? How does it differ from other types of auto insurance, and why is it important?
Car liability insurance covers the costs associated with damage or injury you cause to others in an accident where you’re at fault. It typically includes bodily injury liability, which pays for medical expenses and legal fees for others involved, and property damage liability, which covers the repair or replacement of other people’s property. Unlike comprehensive or collision insurance, which cover damage to your own vehicle, liability insurance focuses on compensating others. It’s often required by law and is crucial because it protects you from potentially significant financial costs arising from accidents you cause.
Liability insurance for cars offers financial protection in the event that you cause an accident that results in injury or property damage to another person. In essence, it serves as a safety net to shield you from being held financially accountable for the accident-related expenses.