All About Liability Car Insurance

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    Liability insurance covers medical expenses for injuries to drivers and passengers in a car accident you cause, as well as any property damage. This type of insurance represents the basic car insurance coverage you need to meet state requirements.
    Your state laws determine a minimum amount of coverage you need to carry. Many experts suggest you should carry at least $100,000 of bodily injury liability per person, $300,000 of bodily injury liability per accident, and $50,000 of property damage coverage. Here are some must-know facts about liability car insurance, including how it works and what it covers.

    How Liability Car Insurance Works

    Liability insurance covers personal injury and property damage resulting from an accident you cause. Mandatory in every state, liability insurance includes bodily injury and property damage liability.
    Bodily injury liability pays for:
    • Medical expenses
    • Loss of income
    • Pain and suffering
    • Legal fees
    • Funeral expenses
    Property damage liability pays for:
    • Damage to another car
    • Damage to a house or other property struck by your car
    • Legal fees arising from a lawsuit associated with the accident
    Coverage requirements vary by state.
    Liability Coverage Requirements by State
    State Body Injury Liability per Person/
    Bodily Injury Liability per Accident/
    Property Damage Coverage Requirements
    Alabama $25,000/50,000/25,000
    Alaska $50,000/100,000/25,000
    Arizona $15,000/30,000/10,000
    Arkansas $25,000/50,000/25,000
    California $15,000/30,000/5,000
    Colorado $25,000/50,000/15,000
    Connecticut $20,000/40,000/10,000
    Delaware $15,000/30,000/10,000
    District of Columbia $25,000/50,000/10,000
    Florida $10,000/20,000/10,000
    Georgia $25,000/50,000/25,000
    Hawaii $20,000/40,000/10,000
    Idaho $25,000/50,000/15,000
    Illinois $20,000/40,000/15,000
    Indiana $25,000/50,000/10,000
    Iowa $20,000/40,000/15,000
    Kansas $25,000/50,000/10,000
    Kentucky $25,000/50,000/10,000
    Louisiana $15,000/30,000/25,000
    Maine $15,000/30,000/10,000
    Maryland $30,000/60,000/15,000
    Massachusetts $30,000/60,000/15,000
    Michigan $20,000/40,000/10,000
    Minnesota $20,000/40,000/10,000
    Mississippi $25,000/50,000/25,000
    Missouri $25,000/50,000/10,000
    Montana $25,000/50,000/10,000
    Nebraska $25,000/50,000/25,000
    Nevada $15,000/30,000/10,000
    New Hampshire $25,000/50,000/25,000
    New Jersey $15,000/30,000/5,000
    New Mexico $25,000/50,000/10,000
    New York $25,000/50,000/10,000
    North Carolina $30,000/60,000/25,000
    North Dakota $25,000/50,000/25,000
    Ohio $12,500/25,000/7,500
    Oklahoma $25,000/50,000/25,000
    Oregon $25,000/50,000/20,000
    Pennsylvania $15,000/30,000/5,000
    Rhode Island $25,000/50,000/25,000
    South Carolina $25,000/50,000/25,000
    South Dakota $25,000/50,000/25,000
    Tennessee $25,000/50,000/15,000
    Texas $30,000/60,000/25,000
    Utah $25,000/65,000/15,000
    Vermont $25,000/50,000/10,000
    Virginia $25,000/50,000/20,000
    Washington $25,000/50,000/10,000
    West Virginia $25,000/50,000/25,000
    Wisconsin $25,000/50,000/10,000
    Wyoming $25,000/50,000/20,000

    What Liability Car Insurance Does Not Cover

    While liability insurance does pay for the medical and property expenses of other drivers and persons involved in an accident you cause, it does not pay for any costs associated with injury to yourself or your property. This exclusion also includes passengers in your vehicle, although MedPay coverage does pay for the injuries of passengers in your vehicle if you cause an accident.
    Specific types of insurance exist for the purpose of paying for any injuries to yourself, your passengers, and your property, including collision, comprehensive, MedPay, and Personal Injury Protection (PIP) coverage.

    Do You Need Liability Coverage Car Insurance?

    All car owners must carry liability coverage car insurance. Considered the most basic form of car insurance coverage, liability helps protects others from accidents not caused by them. In states with no-fault laws, drivers do not need to carry bodily injury liability coverage on their policy. Instead, no-fault states require drivers to carry PIP coverage, which pays for any medical bills or lost earnings, although limits exist.
    The following table shows the states that require you to purchase PIP coverage as a part of your car insurance and the minimum amounts, according to Accidentdoctor.org.
    States That Require PIP and the Minimum
    Coverage Amounts
    State Minimum Amount of Coverage Required
    Florida $10,000 per person
    Hawaii $10,000 per person
    Kansas $4,500 per person for medical,
    $4,500 rehabilitation, $2,000 funeral
    Kentucky $10,000 per person
    Massachusetts $8,000 per person
    Michigan Unlimited medical, up to $5,189
    a month in lost wages
    Minnesota $40,000 per person
    New Jersey $15,000 per person
    New York $50,000 per person
    North Dakota $30,000 per person
    Pennsylvania $5,000 per person
    Utah $3,000 per person
    Source: [Accidentdoctor.org](https://accidentdoctor.org/faq/personal-injury-protection/)
    While liability car insurance is required in some form in every state, it comes in a variety of different coverage levels, ranging from basic levels mandated by state laws to more extensive coverage. Make sure you know what your state requires before you buy insurance.

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