{"id":2198,"date":"2024-03-01T22:54:16","date_gmt":"2024-03-01T22:54:16","guid":{"rendered":"https:\/\/www.acceptanceinsurance.com\/?page_id=2198"},"modified":"2025-03-20T21:45:07","modified_gmt":"2025-03-20T21:45:07","slug":"liability-auto-insurance","status":"publish","type":"page","link":"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/liability-auto-insurance\/","title":{"rendered":"Liability Auto Insurance"},"content":{"rendered":"

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What is Liability Coverage?<\/h2>\n
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Liability insurance is a type of car insurance<\/a> that helps protect you if you’re responsible for injuring someone or damaging their property. Liability consists of bodily injury or death liability and property damage liability.<\/p>\n
It covers things like legal fees, medical bills, and repairs for the other people involved in an accident that you cause. Basically, it keeps you from having to pay out-of-pocket for costs incurred by others when you have been determined to be the at-fault driver.<\/p>\n
This is true in at-fault states, which are the majority. However, in no-fault states, such as Florida<\/a>, your liability insurance will help pay for your own damages, no matter who is at fault. In some instances, drivers may share blame for an accident, in which case, the courts will determine a percentage each one is responsible for when paying for damages.<\/p>\n <\/div>\n \n\n\n
Liability Insurance is Mandatory to Drive<\/h2>\n
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Most states in the U.S. require liability insurance to drive legally. However, New Hampshire and Virginia are exceptions. In New Hampshire, you can skip insurance, but you\u2019ll need to prove you can cover any damages yourself if you get into an accident. In Virginia, you can pay a fee to the state instead of having insurance, but this leaves you on the hook for any damages.<\/p>\n
Your friendly neighborhood Acceptance Insurance agents have plenty of experience finding affordable liability coverage to help you protect the things that are most important. We do the research for you, so you can pick the best option for your unique situation.<\/p>\n <\/div>\n \n\n
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What Does Liability Auto Insurance Cover?<\/h2>\n
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Liability insurance protects you against the financial costs of damage and injuries you cause to others in an accident where you are at fault. It covers medical expenses, property damage, and other related costs up to your policy’s limits, ensuring you are not personally responsible for paying these expenses out of pocket.<\/p>\n
The numbers listed on your car insurance policy, such as 25\/50\/25 or $25,000\/$50,000\/$25,000, represent the liability coverage limits your policy carries. For example, a policy with these limits will cover:<\/p>\n
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$25,000 for bodily injury (per person)<\/li>\n
$50,000 for bodily injury (per accident)<\/li>\n
$25,000 for property damage (per accident)<\/li>\n<\/ul>\n
If you are at fault in an accident, these limits are the maximum your insurance will pay for the other person’s injuries and property damage. The total for all injuries is capped at $50,000, while each person\u2019s injuries are capped at $25,000. Property damage is covered up to $25,000. In a no-fault state, these limits apply to your own injuries and damage.<\/p>\n
This is one reason many drivers choose to increase the limits of their policy. With today\u2019s expenses for medical care and car repairs, these minimums may not be enough, leaving you to pay for the rest out of pocket.<\/p>\n
Note: New Hampshire does not require car insurance, and Florida does not require bodily injury liability coverage.<\/em><\/p>\n <\/div>\n \n\n <\/div>\n <\/div>\n<\/div>\n\n\n
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Types of Auto Insurance Coverage<\/h2>\n
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Bad Credit<\/a><\/span><\/div>\n <\/li>\n
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High Risk<\/a><\/span><\/div>\n <\/li>\n
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Liability<\/a><\/span><\/div>\n <\/li>\n
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Non-Owner<\/a><\/span><\/div>\n <\/li>\n
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Non-Standard<\/a><\/span><\/div>\n <\/li>\n
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Senior<\/a><\/span><\/div>\n <\/li>\n
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SR-22<\/a><\/span><\/div>\n <\/li>\n
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Teenager<\/a><\/span><\/div>\n <\/li>\n <\/ul>\n <\/div>\n <\/div>\n<\/div>\n\n\n
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How Much Does Liability Car Insurance Coverage Cost?<\/h2>\n
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Liability insurance costs can differ widely depending on various factors, including your location, driving history, vehicle type, and the level of coverage you choose. On average, you can expect to pay anywhere from $300 to $1,000 annually.<\/p>\n
Living in high-risk areas, such as regions with heavy traffic or high accident rates, can lead to higher premiums. Additionally, a poor driving record, including past accidents or traffic violations, may increase your costs. The type of vehicle you drive also plays a significant role\u2014luxury cars or high-performance vehicles typically come with higher insurance premiums.<\/p>\n
Choosing the right level of coverage is also key to determining your premium. While more extensive coverage can provide greater protection, it often comes with a higher price tag. On the other hand, opting for the minimum required coverage may help keep your costs lower, but could leave you financially vulnerable in case of an accident.<\/p>\n <\/div>\n \n\n
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Ready to Get a Quick Quote? <\/h2>\n
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