Liability Only Car Insurance

Liability only insurance – is it right for me?

In most states, liability only auto insurance coverage is the most basic level of auto insurance that you can buy for your vehicle. There is a minimum amount of liability coverage required by law in almost every state. You can often find cheap insurance to purchase that will help you meet your state’s minimum requirements and keep you legally covered on the road.

What does liability only insurance cover?

Liability only insurance typically refers to Bodily Injury Liability (BI) and Property Damage Liability (PD), which are both included in our liability coverage. This type of insurance helps pay for damages that result from an auto accident you cause. These damages might include medical expenses, property damage, and loss of wages.

  • Bodily Injury Liability helps pay for medical and legal protection if another person sustains bodily injury in an accident where you are found at fault.

  • Property Damage Liability helps pay for damage to another's property caused while operating your vehicle.

Again, the amount of required basic liability coverage varies by state.


Are there coverage requirements other than liability coverage?

Some states also require no-fault insurance (also referred to as personal injury protection or PIP) and/or uninsured motorist insurance coverage as part of the minimum required financial responsibility. Find out what auto insurance coverage your state requires.

  • No-Fault/Personal Injury Protection (PIP) helps pay, within state specific limits, for certain medical, hospital, funeral, and/or work loss expenses incurred by you, other passengers in your covered vehicle, and pedestrians if struck by your covered vehicle, regardless of who is at fault.

  • Uninsured Motorist Coverage helps pay for bodily injury and, in certain states, property damage sustained by you and other passengers in your covered vehicle in an accident for which the person legally liable does not have auto liability insurance or cannot be identified. In some states it also includes coverage for damages caused by at-fault drivers who have insufficient insurance to pay your claim.

For more information about liability coverage, or to get a free quote for liability-only insurance, visit one of our locations, get a quote online, or call us at (1-877-463-4732).

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