What is liability-only auto insurance?

I'm 16 and about to get my first car. It'll be 10 to 20 years old, based on what I can afford. My parents mentioned getting liability only on it as I can't afford much for insurance. I'm not sure what liability only is, though.

Answer
Liability coverage is one of the most common types of insurance. A liability-only policy covers other people’s vehicles, property, and medical expenses if you’re at fault in an accident. It does not provide any coverage for yourself or your vehicle.
Every state has different minimum car insurance requirements, but they typically all involve the same types of insurance. This includes bodily injury liability and property damage liability.
You should shop around and compare prices. Since you want to have suitable coverage if you are in an accident, you should try to find a carrier that can offer you the highest amount of liability coverage for a price you can afford.
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Emily Maracle
Answered on May 07, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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