Liability car insurance typically covers two main types of damages: property damage and bodily injury.

1. Property damage: If you are at fault in an accident and cause damage to someone else’s property, such as their vehicle or a fence, liability insurance can help cover the costs of repairing or replacing the damaged property.

2. Bodily injury: Liability insurance also provides coverage for bodily injuries that result from an accident you caused. This includes medical expenses, rehabilitation costs, and even legal fees if the injured party decides to file a lawsuit.

It’s important to note that liability insurance covers damages to others, not to your own vehicle or injuries. For that, you would need additional types of coverage like collision insurance or personal injury protection (PIP) insurance.

How much liability coverage do you need?

Having liability insurance is typically a legal requirement in most states, as it helps protect you financially in case you cause an accident. The specific coverage limits and details may vary depending on your policy, so it’s essential to review your insurance policy or speak with your insurance provider to fully understand what is covered.


Liability car insurance covers property damage and bodily injury caused by you in an accident. It’s important to have liability insurance to fulfill legal requirements and protect yourself financially from potential damages. Remember to review your policy or consult your insurance provider to know the specifics of your coverage.

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