Things to Keep in Mind When Selecting Car Liability Insurance

Most states have laws governing the amount of liability insurance a car owner must carry on a vehicle.  Liability insurance protects the driver if he or she is at fault in an accident.  It will cover any damages done to another vehicle, person or property, but it will not cover the driver’s vehicle.  There are many things car owners should keep in mind when selecting car liability insurance.

• Liability insurance only covers the damage that an owner does during an accident.


• If any damage is done to the owner’s vehicle and it is the owner’s fault, the insurance does not pay to have it repaired.


• This type of insurance is less expensive than full coverage insurance.


• Liability insurance is mandated by every state in the US.


• Minimum state requirements are usually not enough coverage if the driver is involved in a major accident. 


• Most states require driver’s to carry at least $25,000 in automobile liability coverage.  If the owner hits and totals a car valued over $25,000, the insurance company will only pay the first $25,000 minus the driver’s deductible.  Any additional money for damages must be paid by the at fault car owner.


• Liability insurance is usually put on older vehicles where there is not a real concern to have it repaired if damage occurs.