{"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