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This may be the most important type of auto insurance coverage to carry. 


Different states have different auto insurance coverage laws, so be sure to check with the DMV or your auto insurance company about specific state requires.  Every state in the nation, except for New Hampshire and Wisconsin, requires that you have liability insurance, and that mandatory coverage varies according to state. 

Bodily injury liability:   If the driver is the responsible for an accident, the `liability` insurance coverage offers the payment for the medicinal, therapy, and, when necessary, memorial service bills of the driver's passengers, the other side, his or her passengers, and also all pedestrians injured.

Liability coverage is offered for bodily injury (BI) or property damage (PD) for which the insured driver is deemed responsible.  Bodily injury liability coverage is also usually split into a maximum payment per person and a maximum payment per accident.  Bodily Injury Liability coverage pays for serious and permanent injury or death to others when you cause a crash involving your automobile.  This coverage also provides you with legal defense in the event you are sued by the injured party. 


This coverage pays for damages you or members of your family cause (and are liable for) to other people's property in a crash involving a motor vehicle.  Many auto policies stop at a maximum of $300,000 or $500,000 per accident for Liability coverage.  The amount of Liability coverage you carry should be high enough to protect your assets in the event of an accident.  People with a home and other assets should buy coverage of at least $100,000 per person and $300,000 per accident.  If you have a million-dollar house, you could lose it in a lawsuit if your insurance coverage is insufficient.  You can get additional coverage with a Personal Umbrella or Personal.

Basically insurance companies will usually advise to consumers to carry high or the highest liability limits when they own a home or have valuable assets.   In short, when you're comparing the prices of vehicle insurance punctuate, you won't be comparing like for like. The biggest mistake is being underinsured on bodily injury liability coverage and over-insured on collision and comprehensive coverage.

Unlike a personal auto policy, this coverage will not protect you or your employee.  As with Hired Auto coverage, this coverage protects the company only and supplements the driver's personal auto liability coverage.

Besides various forms of liability insurance, there is collision and comprehensive auto insurance coverage to consider.

Each state has their own liability requirements.  Please note the state liability requirements below:


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