What Exactly is Car Liability Insurance
We all know that insurance comes in many guises. Car liability insurance pays for any property or bodily damage a person may occur due to you hitting them with your car. You are required by law to have at least car liability insurance to drive a vehicle. Different locations have different minimum liability insurance requirements.
The so-called bodily injury liability insurance is in place to cover any injuries that may have been caused by you in an accident. This car liability insurance also covers you and your listed family members when you are driving another person’s car with their permission. There are other types of insurance other than this, as well. In fact, many choose to do so since if you cause a serious accident, you could be sued for a lot of money. In situations like that you want all the cover you can get.
Property damage liability insurance is another type you will need. This insurance covers the second type of damage in a car accident: damage to property. It includes other cars, buildings, and anything else that may be damaged in an accident, such as telephone poles, lamps, and fences.
Car liability insurance is contrasted by comprehensive insurance, which covers much more. Compared to car liability insurance comprehensive insurance would cover you for acts of vandalism against the vehicle, theft and arson. This is the reason why this comprehensive insurance is more expensive.