Expert Advice for Liability Coverage

All Articles on Liability Coverage

Property Damage Liability: What Is It? What Does It Cover?
How much property damage liability do you need? Is property damage liability coverage mandatory? Read on for the answers to these questions and more.
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Carol Chung
Jun 14, 2021
What Is Liability Car Insurance? Do You Need It?
Liability car insurance protects other drivers in accidents you may cause by covering medical bills and/or property damage. It is required in most states.
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Cheryl Knight
Jun 09, 2021
Is a Trampoline an Attractive Nuisance?
Is a trampoline an attractive nuisance? According to some experts, the answer is yes.
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Elan Mcafee
Jan 07, 2021
Bodily Injury Liability: What Is It? What Does It Cover?
Bodily injury insurance determines how much you'll have to pay for injuries you cause in a car accident. It's not required in all states, but it's worth having
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Carol Chung
Jun 14, 2021
What Is Liability Insurance and What Does it Cover?
Liability insurance helps protect you if you’re in an accident. But you need to make sure you have enough coverage to protect your assets.
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Cheryl Knight
May 05, 2021
How to Choose the Best Type of Home Insurance for You
The best homeowners insurance protects your property and belongings. But how do you know what types of coverage you need, and how much is enough?
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Cheryl Knight
Oct 07, 2020
How Much Car Insurance Costs
When buying car insurance, keep in mind what types you need, including liability, comprehensive, collision, MedPay, PIP, and others.
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Cheryl Knight
Nov 09, 2020
Different Types of Car Insurance: Which One Suits You Best?
Understanding the differences between the various types of car insurance can help you find the right plan. Here's what to know about the levels of coverage offered.
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Brady Klopfer
Dec 14, 2020
What Happens if You Let Your Car Insurance Payments Lapse?
You need to keep your car insurance up to date. A lapse in coverage is illegal and leaves you uninsured if you have an accident.
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Cheryl Knight
Jan 07, 2021
All About Liability Car Insurance
Learn more about liability coverage car insurance, what it covers, and how much you need to protect yourself in the event of an accident.
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Cheryl Knight
Oct 20, 2020
All About Property Damage Liability Car Insurance
Property damage liability car insurance is an essential part of overall liability coverage. Here's what you need to know about what it covers and how it could benefit you.
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Brady Klopfer
Feb 26, 2021

All Questions on Liability Coverage

Why won't my building manager cover damage to my car?
"My building was being painted and paint dripped onto my financed car. The building manager said they would pay for the damages. I got an estimate and now they don't want to pay. What should I do?"
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Emily Maracle
Jun 23, 2021
What should I do if roadside assistance damaged my car?
"My car broke down, so my insurance company sent out roadside assistance. When I got to the repair shop, my car had some new dings and scrapes. I took pictures and got an estimate for the damage. What should I do now?"
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Eric Schad
Jun 21, 2021
Do I need to raise my liability limits to $2 million?
I currently have $1 million in liability coverage. Should I raise that to $2 million? How likely is it that I'd ever need that much coverage?
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Emily Maracle
May 17, 2021
"Should I drop my liability coverage if money's tight and I'm struggling to pay my bills? "
"I am a single mom working two jobs and I can hardly make ends meet. Right now, the coverage on my auto policy is 25/50/50. I found out I can save about $20 per month if I drop the coverage to 15/30/10. I know it is a lot less coverage, but I could use the money. What should I do?"
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Shannon Martin
May 14, 2021
Is carrying the state-minimum liability limits in Mississippi a bad idea?
"I live in Mississippi and have been carrying state-minimum car insurance for a while now. I was speaking with an insurance agent and he really freaked me out! He said that I could be sued and wouldn't have enough coverage to protect myself. Is this true?"
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Shannon Martin
May 14, 2021
What happens when the damage in a four-car accident exceeds the insurance limits available?
Hypothetically, if someone gets in a four-car accident and they are at fault but they have minimum coverage, what will happen to them?
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Shannon Martin
May 14, 2021
Should I increase my insurance coverage in Texas after a premium decrease?
My insurance cost just went down by almost $60 a month. I have state-minimum coverage in Texas, but now that I can afford higher liability coverage, should I get more coverage or just save the money?
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Shannon Martin
May 14, 2021
How much liability insurance do I need in Kentucky if I have have few assets and a good driving record?
KY minimum liability limits are 25/50/10. This is what I have. No tickets or accidents in five years, no house, no business. Why should I pay for more coverage?
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Shannon Martin
May 14, 2021
Do I need more coverage on my Spectra than what Massachusetts requires?
My mom says I need more coverage than the state minimum in Massachusetts. I am 22 and drive a 2009 Kia Spectra, and I can save $90 a month with minimum liability coverage. And no, I am not putting full coverage on the Spectra.
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Shannon Martin
May 14, 2021
Am I carrying too much insurance on a five-year-old car?
My car is five years old and has the same limits now as it did the day I bought it. I have liability limits of 100/300/50 with matching uninsured motorist coverage and $1,000 deductibles. Am I carrying too much coverage?
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Shannon Martin
May 12, 2021
What do I do if I hit a parked car with a borrowed vehicle that has liability-only insurance?
I borrowed my sister's vehicle and hit a parked car. I was visiting and borrowing the car, so I'm not listed on the policy. She has liability-only insurance through our parents' policy. She wants to file a claim, but I'm willing to pay out of pocket for the damage.
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Emily Maracle
May 07, 2021
What should I do if I turn down the rental agency's liability insurance and get into an at-fault accident with a rental car?
I declined liability coverage through the rental car company and got into an at-fault accident. I did pay for the car with my Visa card, which has rental car coverage. Would I have any other default coverage?
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Emily Maracle
May 07, 2021
What types of claims can I make with liability-only auto insurance?
My car was parked on the street and I noticed today that someone had keyed it. I only have liability insurance, so I'm wondering if I'd be able to submit a claim for it.
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Emily Maracle
May 07, 2021
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.
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Emily Maracle
May 07, 2021
What's the difference between liability coverage and full-coverage auto insurance?
I'm new to car insurance so I'm trying to learn all the basics. Any advice would be appreciated!
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Shannon Martin
May 06, 2021
Why am I being required to carry such high liability limits on my auto policy for my old Nissan Altima?
I live and work in NYC as a realtor. I have a 2013 Nissan Altima that I drive on the weekends. I never bring my clients with me in the car. My insurance agent requires me to add liability limits of $500,000 to the policy! Is there a way around this?
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Shannon Martin
May 06, 2021
"It okay for my aunt to borrow my car while hers is in the shop? "
My aunt has to get some work done on her car and it will be in the shop for a couple of weeks. I have a spare car to loan her, but since she isn't listed on my policy, is it okay to let her drive the car?
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Shannon Martin
May 06, 2021
Do both cars on my insurance policy have to have the same coverage?
I have a 2011 Kia Soul and a 2020 Kia Sportage on my policy. I am thinking of removing full coverage from the Soul, but I want to keep full coverage on the Sportage. Am I able to carry different coverage on the same policy?
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Shannon Martin
May 06, 2021
What auto insurance limits should I carry to protect my retirement funds?
I am in my early 30s and have about $200,000 invested in my 401(k). Right now, I only carry state minimums for my auto insurance, but I know I need to increase my limits. How do I know if I have enough coverage?
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Shannon Martin
May 06, 2021
Am I wasting money by having high limits on my auto policy if I have an umbrella policy?
My Allstate auto policy has limits of 250/500, and I have a $1 million umbrella policy. Why is my coverage so high on the auto policy? Can I lower this to save money?
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Shannon Martin
May 06, 2021
Do I really need higher liability coverage when I am trying to save money on my policy?
I am currently with State Farm, but I feel like I am paying too much money for insurance. I have a quote from The General and it is so much lower! My State Farm policy has limits of 100/300/50 and The General has 25/50/25, but does that matter?
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Shannon Martin
May 06, 2021
Do I still need full coverage on a Subaru Impreza that's paid off and valued at $5,500?
I just paid off my Subaru Impreza. It's now nine years old and worth $5,500. Do I still need full coverage, or can I switch to liability?
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Eric Schad
May 04, 2021
Should I call the other driver's insurance company after a not-at-fault accident if I only have liability insurance?
I was hit by another driver, and I'm not sure what to do next since I only have liability insurance. Should I call the other driver's insurance company to file a claim?
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Eric Schad
May 04, 2021
Will $100,000 of property damage liability cover me if I hit a Ferrari?
I was wondering how much property damage liability I should get. If I get $100,000 worth of coverage and I hit a Ferrari worth $150,000, do I have to pay the difference?
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Eric Schad
May 04, 2021
Is there any downside to having too much car insurance coverage?
I was shopping around for insurance, and through my new provider I increased my liability from 250/500/250 to $1 million across the board. Is there any downside to having too much coverage?
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Eric Schad
May 04, 2021
Does my liability insurance cover me when I'm driving overseas?
I travel quite a bit during the year and I rent cars to get around. Does my liability insurance cover me when I drive overseas?
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Eric Schad
May 04, 2021
How do I know what type of liability coverage to choose for a $6,000 car?
I just paid cash for a car ($6,000) and now I need to get insurance before I register it. What type of liability coverage do I need?
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Eric Schad
May 04, 2021
Does a 100/300/100 liability insurance policy offer too much coverage?
I'm thinking of upping my liability limits, but I don't know if a 100/300/100 policy is too much. I currently have a net worth of $50,000 and I make $55,000 per year.
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Eric Schad
May 04, 2021
Is there a formula I can use to determine how much liability coverage I need?
My car insurance policy is up for renewal, and I noticed it's a 15/30/50 liability policy. This seems far too low. How do I determine how much coverage I need?
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Eric Schad
May 04, 2021
What type of car insurance do I need in California if I no longer drive, but I have a friend take me to the doctor's office?
My eyesight has continued to decline, and while I have a driver's license, I no longer drive. However, I want to keep my car to get to appointments and I let my friend drive. What type of policy do I need if I live in California?
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Eric Schad
May 04, 2021

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