Driving a car is inherently risky, even if you are a highly cautious driver. Our team at Curtis Helms Insurance understands the risks involved, and we offer a variety of auto insurance options to help you mitigate those risks and cover certain damages you might get during an accident. One of the big risks associated with car accidents is the possibility of hurting someone else or damaging their property, so most car insurance carries liability protection.
In this article, we’ll go over some key information you need to know about liability car insurance.
- What Is It? – For those who are unfamiliar with the term, liability car insurance is designed to cover the costs of accidents for which you are at fault. Specifically, if you get into a crash, your liability coverage will pay for some or all the damages to the other driver’s vehicle and any medical or legal expenses involved.
- Is It Necessary? – Liability car insurance is necessary for every driver, which is why many states require you to carry a certain level of this kind of coverage. If you got into an accident without liability coverage, you could end up having to pay steep repair and medical bills out of pocket.
- How Much Coverage Should You Get? – We recommend investing in a higher level of car liability insurance than the legal minimum requirement, as the minimum amount can still leave you with steep out-of-pocket expenses in the event of an accident. In our experience, it’s worth it to pay a little more to get extra peace of mind.