Is minimum liability insurance coverage 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 car insurance 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.
Sticking to liability car insurance is an easy way to keep your insurance costs low, but it's not an option for every driver. For instance, if your vehicle is leased or financed, you may be required to carry coverage that goes beyond liability insurance. Also, keep in mind that if you're in an accident, or your car is vandalized or stolen, you'll have to pay for your car to be repaired or replaced. As we'll explain below, liability insurance coverage doesn't pay for damages to your car.
What does liability only insurance cover?
Liability car 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. Liability insurance coverage offers no protection for your own medical bills or vehicle repairs.
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.
Am I required to have more than liability car insurance?
You might be. It depends on where you live, whether your vehicle is financed or leased, and sometimes your driving history. 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. Talk to a Direct Auto & Life Insurance agent to learn more about the requirements in your state.
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 car insurance, or to get a free quote for liability-only insurance, visit a Direct Auto & Life Insurance location near you, get a free car insurance quote online, or call us at 1-877-GO-DIRECT (1-877-463-4732).