If auto insurance is a house, think of liability insurance as the foundation.
What does liability usually cover?
Liability usually covers the other party’s bodily injuries and property damages in an at-fault accident.
What are the limitations to liability insurance coverage?
These are the limitations of liability insurance coverage:
- The bodily injuries of you and your passengers
- Your property damages
- Collisions with uninsured motorists
- Damages from weather-related incidents, vandalism, or theft
- Wages lost as a result of a collision
Does liability cover uninsured motorists?
Liability does not cover uninsured motorists. You’d need uninsured motorist coverage to get reimbursed for injuries and damages if an uninsured motorist hits you or if you’ve been involved in a hit-and-run.
What happens if I only have liability insurance?
If you only have liability insurance, you’d have to pay out of pocket for your injuries and damages in at-fault accidents. You’d also pay out of pocket for car theft, car vandalism, or damage from weather-related incidents, potholes, or rolling cars.