Let's Start With The Term "Obligation"
It's very simple! According to Merriam-Webster, the word "liability" means the State is legally responsible for something. Basically, if you take responsibility for something, you are legally responsible for it.
When we talk about car insurance liability, the same meaning applies. Liability car insurance helps protect you from damage that can You responsibility, or legally responsible, because if you cause an accident.
Why Do I Need Liability Coverage?
Let's say you come home after a long day and full of pressure at work, and your mind is still racing: can't forget the phone bill due tomorrow this traffic so bad, I should have been doing interstate.
Did I remember to put the leftovers in the fridge? You are just one mile from home when, annoyed by your thoughts, you pass through stop signs in your neighborhood and hit the tail end of a car turning in front of you.
Thankfully, no one was hurt, but minivans need some improvement. Can you guess who will be responsible to pay for it? Yes, that's you You didn't mean for it to happen, but since you are not paying attention to and run a stop sign, the accident is your fault and you will be liable for damages You suffered in the accident. This is where Your liability car insurance comes to help cover the damage to the minivan becomes your responsibility.
The same is true if the role was reversed. If there are other people who cause accidents which damage your car and/or hurting you, they will be liable for that damage and car insurance liability they are supposed to help them afford it.
Nearly every State requires drivers to carry at least a number of specific liability car insurance (some States also do not require the protection of injury/personal injury and/or coverage riders who do not insured).
This is because car insurance coverage is protected to protect others from damage that You suffer. For the most part, get the extra coverage that will help protect you (as comprehensive or collision) is up to you and are not required by law.
Then what exactly do car insurance coverage coverage?
If you cause an accident that hurt someone (or many people) or result in damage to the vehicle or their property, liability car insurance will help cover those costs. In particular, liability insurance covers:
- Liability for bodily Injury - help pay for medical and legal protection if other people were injured in the accident that you impact.
- Property Damage Liability - help pay for damage to the property of others that occur in accidents that impact You.
Find the Minimum threshold in your country
The amount of car insurance coverage required varies by State. The requested amount is often referred to as the "minimum." Your coverage limit "is the maximum amount your insurer will pay you. So, the "minimum restrictions" set forth by your country is the minimum amount of coverage that you have to take it.
In Tennessee, for example, the minimum limit is 25/50/15. This means you need a minimum coverage of $25,000 per person injured in accidents (injuries), $50,000 to all those who were injured in the accident (injuries to the body), and $15,000 for damage to property of others in the accident ( property damage).
To find the minimum restriction or requirement of coverage in your State, visit the web site of the Department of motor vehicles of the State you or learning center Direct Auto Insurance Direct &.
Learn more about Car liability insurance
If you have a question about car insurance liability or would like to speak with someone about Your coverage needs, contact us at 1-877-GO DIRECT (1-877-463-4732)-or visit your local store directly and one of the our friendly agents can help.
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