Liability Insurance

Liability car insurance is the standard, legally required coverage that pays for injuries and property damage you cause to others in an accident. It covers the other driver’s expenses (like medical bills or car repairs) and your legal defense costs, but it does not cover your own injuries or vehicle damage.

When you choose liability insurance, you can expect the following to be covered:

• Medical expenses, lost wages, and funeral costs for other people (like drivers, passengers, or pedestrians) injured in an accident where you are at fault.
• Legal fees and court costs if you are sued over the crash.
• Repairs or replacement for another person’s vehicle if you cause a crash.
• Damage to other physical structures caused by your car, such as fences, mailboxes, or buildings.