Does Liability Insurance Protect You in At-Fault Collisions?

Does Liability Insurance Cover My Car If I Hit Someone?

Car accidents can happen when we least expect them. It’s important to know what your insurance covers. Today we will talk about liability insurance.

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What is Liability Insurance?

Liability insurance helps pay for the other person’s car and medical bills.

  • It is required by law in most places.
  • It does not cover your car or your injuries.
  • It is the most basic kind of car insurance.
Does Liability Insurance Protect You in At-Fault Collisions?


What Happens If I Hit Someone?

Let’s imagine you are driving and accidentally hit another car.

  1. Your liability insurance can help pay for the other car’s repairs.
  2. It can also help pay if the other person is hurt.
  3. But it doesn’t pay for your car’s damages or your injuries.

What Does Liability Insurance Cover?

Coverage Details
Bodily Injury Liability Helps cover medical costs if someone is hurt.
Property Damage Liability Pays for damage to someone else’s property.

Why Doesn’t It Cover My Car?

Liability insurance is made to protect other drivers from you. It’s not designed to cover your own losses.

What Can Protect My Car?

To protect your car, you need other types of insurance:

  • Collision Insurance: Helps pay for your car’s repairs.
  • Comprehensive Insurance: Covers other kinds of damage, like theft or fire.

Is It Good to Have Only Liability Insurance?

Having only liability insurance is usually cheaper. But, it can be risky.

You might have to pay a lot if your car is damaged.

Think about what you need and can afford.

Does Liability Insurance Protect You in At-Fault Collisions?


How Much Liability Insurance Should I Have?

Every place has a minimum amount required. But, more coverage can be safer.

Ask yourself: Can I pay for damages that are not covered?

If no, consider getting more insurance.

What to Do After an Accident

If you hit someone, it’s important to stay calm. Follow these steps:

  1. Check if anyone is hurt and call for help.
  2. Exchange information with the other driver.
  3. Call your insurance company to report the accident.

Tips for Choosing The Right Insurance

When picking your insurance, think about these tips:

  • Know the laws in your place.
  • Understand what each type of insurance offers.
  • Think about how much money you could pay if something happens.
  • Talk to an insurance expert.

Frequently Asked Questions On Does Liability Insurance Protect You In At-fault Collisions?

What Does Liability Insurance Cover?

Liability insurance typically covers bodily injury and property damage to others if you are at fault in an accident. It does not cover your car.

Is My Car Covered Hitting Another Vehicle?

No, your own car damage is not covered under liability insurance if you hit someone else’s vehicle.

Does Liability Insurance Help With Legal Costs?

Yes, liability insurance can assist with legal costs if you’re sued for damages after an accident.

What Happens If I’m At Fault In A Car Crash?

If you’re at fault, liability insurance pays for the other party’s losses, but not your car’s damages or your injuries.


Liability insurance is important, but it doesn’t cover your car if you hit someone. For your car’s protection, consider other insurance types. It’s all about keeping you and your car safe on the road.

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