As part of your liability car insurance, the bodily injury per person limit covers injuries if you are found “at fault.” The payments would cover bodily injury damages of a person injured in an accident, such as medical bills, up to the maximum limit. For example: If you have a liabil...
Liability-only car insurance Liability car insurance coverage is the part of your policy that pays for the injuries and damages you cause to someone else in an at-fault auto accident. Most states require drivers to carry at least a minimum car insurance coverage limit, often called “minimum ...
Make sure you can afford to pay out of pocket if you're in an accident. Lower your coverage amount: Full coverage is usually the smart choice, but if your car is worth less than 10 times your premium, you might be better off with just liability-only insurance. Look for discounts: ...
Liability insurance is the most basic form of auto coverage. If you cause an accident, it pays for the other driver's expenses, whether that's medical care or repairs to their car or. It doesn't pay for repairs to your own car, however — that requires comprehensive or collision coverage...
Its rates are below the national average in a number of specific driver categories we analyzed, including for people with blemishes on their driving records, like a speeding ticket, accident, or DUI. SEE FULL REVIEW » State Farm car insurance discounts State Farm customers may be able to ...
The liability limit per accident is a financial cap for the total amount that the insurance company will pay for all of the individuals involved in an accident. In other words, the policy will cover medical expenses for those injured in an accident by the at-fault driver, but only up to ...
Uninsured motorist coverageprotects you if you're in an accident with a driver who doesn't have insurance. Similarly, underinsured motorist coverage protects you if the at-fault driver has some insurance, such as the state-required minimum liability amounts, but not enough to fully cover your ...
If you cause an accident that results in property damage or bodily injury to others, liability insurance helps cover the bills. Liability insurance typically costs the least because it offers the least amount of coverage.[3] Auto-Owners offers the cheapest liability-only policies in Chandler, at...
If you only own one car and it needs repairs following an accident, you probably need a rental car while it’s out of commission. In certain situations, your insurance may cover this cost. Many insurers offer rental car coverage, but generally it is an endorsement, or optional add-on, an...
If you only opt for liability insurance, you will have no coverage for your medical bills or vehicle if you are at fault in an accident, or if the person responsible is not insured or underinsured. What Level of Coverage Do I Need? Determining the right level of car insurance coverage dep...