These quotes apply if the same driver sticks with higher liability limits plus enables full coverage for the 2023 Honda Civic.
Liability coverage vs. PIP and MedPay
While liability insurance offers coverage for the other driver’s medical bills, it does not cover any medical payments for you or your passengers.
For personal medical coverage, you can purchase personal injury protection or medical payments coverage (sometimes referred to as MedPay).
PIP and MedPay are not the same, but they both provide coverage for medical expenses regardless of who is found at fault. PIP is typically required in no-fault states
while medical payments coverage is only required in Maine, and New Hampshire if applicable. FAQs
Does liability cover my car if I’m at fault?
No, liability car insurance will not cover your vehicle if you are at fault. Liability insurance will cover vehicular damages and medical bills for the not-at-fault driver and their passengers, within the limits of your coverage.
If you want coverage for your car in the event of an at-fault accident, you’ll need to purchase collision coverage.
Should I get liability insurance if I drive but don’t own a car?
Liability car insurance follows the car and will offer protection no matter the driver—so if you’re driving cars that you don’t own and you are not an excluded driver on their policy, you will likely be covered by the owner’s liability insurance.
If you frequently drive but you don’t own a car, you may consider purchasing non-owner car insurance
. Non-owner insurance is optional liability insurance for drivers who don’t own vehicles but frequently drive borrowed or rented cars. Lastly, if you drive a family member’s vehicle and live in the same household, you should be listed on their policy as a named driver.
Does liability insurance cover hit-and-run?
Your liability insurance will not cover a hit-and-run accident.
If the other driver was at fault, their liability insurance would theoretically cover your damages and medical bills—but you would need the other driver’s insurance information to file a claim. If the at-fault driver does not stick around to exchange information, you will not receive financial support from their liability coverage.
To avoid dealing with repair bills and medical expenses after a hit-and-run accident, consider buying collision insurance and personal injury protection. Collision insurance covers your car no matter who is at fault, and personal injury protection does the same for your medical bills.
Does liability insurance cover vehicle damage from weather or natural disasters?
No, liability insurance does not cover weather-related damage. Comprehensive car insurance offers coverage for damages from weather or a natural disaster.
Does liability insurance cover theft?
No, liability insurance does not cover theft. Comprehensive insurance will cover your vehicle if it's stolen or if damages occur from a break-in.
Does liability insurance cover if you’re not at fault?
If you are not at fault for an accident, the at-fault driver’s liability insurance should cover your vehicular damages and your medical expenses.
In no-fault states, each driver’s car insurance will cover their own bills.
Do I pay a deductible for liability insurance claims?
No, there is no deductible for liability insurance claims.
What happens if I don’t have enough liability insurance for a car accident?
If you are at fault for an accident and your liability insurance does not cover the full cost of repairs and medical bills for the not-at-fault driver, you could be sued for the remaining costs.
For example, if you have $20,000 in bodily injury liability per person and the medical bills are $30,000, you’ll need to pay the remaining $10,000 out of pocket.
Talk to an insurance agent to decide on the best liability limit for your needs. In most cases, they will suggest investing in higher liability limits to avoid paying for unexpected post-accident bills and to avoid a lawsuit.
Is 50/100/50 liability insurance enough?
50/100/50 means you have $50,000 for bodily injury
caused per person, $100,000 for bodily injury per accident, and $50,000 for property damage
you cause. If you get into an accident with another commuter and they sue you for damages, you may not have enough coverage. 50/100/50 liability insurance offers a good amount of coverage, but for the best protection, it may be worth considering a policy with 100/300/100 liability coverage.
What is the difference between liability coverage and full coverage?
Liability insurance offers coverage for the other driver’s medical bills and property damage costs following an accident that you caused. Full coverage includes liability insurance, but it also offers comprehensive and collision coverage.
Comprehensive coverage will cover damages to your vehicle caused by things like theft, vandalism, falling objects, flood damage, and more.
Collision insurance offers coverage for damages to your vehicle caused by a crash you cause, a collision with an object, your car rolling over, and more.