Liability car insurance covers the costs if you are found legally responsible for causing injury or property damage to others in a car accident. It typically includes two main types of coverage:
- Bodily Injury Liability : Pays for medical expenses, lost wages, pain and suffering, and legal fees if someone else is injured in an accident you caused.
- Property Damage Liability : Covers repair or replacement costs for damage you cause to another person's vehicle or other property, such as fences, buildings, or street signs, as well as related legal expenses.
Liability insurance does not cover your own injuries or damage to your vehicle; separate coverages are needed for those. It is mandatory in almost every state and protects you financially from lawsuits or claims arising from accidents where you are at fault
