Expert Advice for Liability Coverage

All Articles on Liability Coverage

Do You Need a Fence for an Inflatable Pool?
You need a fence for an inflatable pool (in most places) when it is 18 inches deep or more. Read this guide on fencing for inflatable pools in order to meet the requirements.
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Jerry
Apr 27, 2022
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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Jerry
Apr 27, 2022
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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Jerry
Feb 18, 2022
Liability Car Insurance: What Is It? Do You Need It?
Liability car insurance protects other drivers in accidents you cause by covering medical bills and property damage. Read this guide to learn more.
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Jerry
Apr 27, 2022
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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Jerry
May 05, 2022
Is a Trampoline an Attractive Nuisance?
Is a trampoline an attractive nuisance? According to some experts, the answer is yes. Read this guide to learn more about trampolines and attractive nuisances.
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Jerry
Apr 27, 2022
Property Damage Liability: What Is It? What Does It Cover?
Property damage liability protects property in the event of an accident, but is property damage liability required? Read this guide to learn more.
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Jerry
Apr 27, 2022
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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Jerry
Feb 18, 2022
SR-22 in Florida: What You Need to Know
High-risk Florida drivers must obtain an SR-22 or FR-44 certificate to prove that their auto insurance policy meets the state’s minimum liability requirements.
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Jerry
Apr 27, 2022
SR-22 in Ohio: What You Need to Know
SR-22 insurance provides high-risk Ohio drivers with legal proof that they carry the minimum liability insurance.
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Jerry
Apr 27, 2022
SR-22 in Michigan: What You Need to Know
SR-22 insurance in Michigan provides high-risk drivers with proof that they carry the minimum liability insurance required by the state.
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Jerry
Apr 27, 2022
SR-22 in Georgia: What You Need to Know
SR-22 insurance in Georgia certifies that high-risk drivers carry the state-required minimum liability insurance.
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Jerry
Apr 27, 2022
SR-22 in Illinois: What You Need to Know
Illinois drivers with serious convictions must carry SR-22 insurance, which confirms their policy meets the state’s minimum liability requirements.
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Jerry
Apr 27, 2022
SR-22 in Louisiana: What You Need to Know
In Louisiana, an insurer files an SR-22 certificate on a suspended driver’s behalf as a guarantee that the driver is carrying the mandated minimum insurance.
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Jerry
Apr 27, 2022
SR-22 in Oregon: What You Need to Know
In Oregon, an insurer files an SR-22 for a driver who’s been convicted of a driving violation as a guarantee that the driver is carrying the required insurance.
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Jerry
Apr 27, 2022
SR-22 in Oklahoma: What You Need to Know
An SR-22 form is not required in Oklahoma to reinstate your driver’s license after a driving violation, but you must prove that you have liability insurance.
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Jerry
Apr 27, 2022
SR-22 in Connecticut: What You Need to Know
In Connecticut, an insurer files an SR-22 form for a driver convicted of a serious violation. The SR-22 guarantees the driver carries minimum insurance.
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Jerry
Apr 27, 2022
SR-22 in Utah: What You Need to Know
In Utah, your insurer will need to file an SR-22 form for you. An SR-22 guarantees that you meet the state’s minimum insurance requirements.
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Jerry
Apr 27, 2022
SR-22 in Iowa: What You Need to Know
In Iowa, you’ll need your insurer to file an SR-22 form for you to reinstate your driver’s license after a major driving offense.
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Jerry
Apr 27, 2022
SR-22 in Nevada: What You Need to Know
In Nevada, you’ll need your insurer to file an SR-22 form to reinstate your driver’s license after a severe driving violation.
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Jerry
Apr 27, 2022
SR-22 in Arkansas: What You Need to Know
In Arkansas, your insurer needs to file an SR-22 form on your behalf to reinstate your driver’s license after a major driving violation.
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Jerry
Apr 27, 2022
SR-22 in Massachusetts: What You Need to Know
SR-22 certificates are not required in Massachusetts, but if you run into trouble in a state where SR-22s are the norm, you might need one.
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Jerry
Apr 27, 2022
SR-22 in Tennessee: What You Need to Know
Drivers in Tennessee who have been convicted of a serious driving violation, such as a DUI, might need to get SR-22 insurance.
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Jerry
Apr 27, 2022
SR-22 in Indiana: What You Need to Know
Indiana law might require you to get SR-22 insurance if your license has been suspended or revoked due to a serious driving violation or conviction.
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Jerry
Apr 27, 2022
SR-22 in Missouri: What You Need to Know
An SR-22 is typically required in Missouri when a driver has a serious traffic violation, such as a reckless driving charge or a DUI, on their record.
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Jerry
Mar 18, 2022
SR-22 in Washington: What You Need to Know
Drivers considered high risk by Washington’s Department of Licensing will require an SR-22 for a minimum of three years.
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Jerry
Apr 27, 2022
SR-22 in Arizona: What You Need to Know
High-risk Arizona drivers are required to file an SR-22 for three years to prove that they carry the required minimum liability insurance.
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Jerry
Apr 27, 2022
SR-22 in Wisconsin: What You Need to Know
In Wisconsin, usually an insurer files an SR-22 certificate on a driver’s behalf as a guarantee that the driver is carrying the mandated minimum insurance.
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Jerry
Apr 27, 2022
SR-22 in Colorado: What You Need to Know
In Colorado, usually an insurer files an SR-22 certificate on a driver’s behalf as a guarantee that the driver is carrying the mandated minimum insurance.
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Jerry
Apr 27, 2022
SR-22 in California: What You Need to Know
California requires an SR-22 if your license is suspended due to a severe issue or violation, such as a DUI.
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Jerry
Apr 27, 2022

All Questions on Liability Coverage

What does $50,000/$100,000 and $50,000 mean?
What do these insurance numbers mean? I live in Maine and am looking to switch insurance companies. I want the lowest amount of coverage possible as I need to save money.
Emily Maracle
Jul 08, 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?
Shannon Martin
May 06, 2021
How much car insurance should I get on a cheap old beater in Florida?
I just bought a cheap car from my friend, and it's my first car. What type of coverage should I get in Florida?
Eric Schad
Apr 23, 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?
Eric Schad
May 04, 2021
How much liability coverage do I need for renters insurance?
I’m moving into my new apartment and my landlord is requiring that I get some kind of renters insurance. She just hasn’t specified the coverage amounts I need. For starters, how much liability insurance coverage do I need for renters insurance?
bellina gaskey
Apr 06, 2022
Why would I need full coverage on a 15-year-old car?
I am insuring my mom's 2006 Honda Civic and she's insisting that it needs full coverage. Why would a car that old need to have full coverage?
Emily Maracle
Sep 10, 2021
Does car insurance cover tree damage?
A tree hit my car. Would my car insurance cover it? I have liability coverage.
Emily Maracle
Oct 11, 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?"
Shannon Martin
May 14, 2021
What's important to know about scooter insurance?
I'm looking into getting scooter insurance for my new scooter. Is there anything I need to know? I've never had to get insurance before.
Emily Maracle
Sep 02, 2021
What happens if someone is in a not-at-fault car wreck?
How does it work if someone is in a wreck, but they’re not at fault, and both drivers have $50,000 in liability insurance?
Jack Walsh
Nov 28, 2021
What happens if the damage caused in a car accident is more than my policy covers?
I got in an accident (my fault) and totaled my car. The other car might be totaled, too. The problem is, I have a $10,000 property damage limit and the other car is probably worth $20,000 or more. Will I owe them if the damage is more than my insurance pays?
Shannon Martin
Apr 26, 2021
How can I find my car insurance policy number?
What’s the best way to figure out my car insurance policy number? My partner and I were out running some errands and parked on the street. We were walking back to the car and saw another driver hit ours while trying to parallel park. We need to exchange insurance information but do not know where to find our policy number.
Phoebe Mah
Feb 17, 2022
What is additional liability insurance through Zipcar?
Zipcar offers something called additional liability insurance. What is this and do I need it?
Sophie Newman
Sep 14, 2021
How much liability coverage do you think I need if I don't have a lot of assets?
Is 25/50/10 enough liability coverage for someone without many assets? Should I increase it?
Shannon Martin
Apr 29, 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?
Shannon Martin
May 14, 2021
How much coverage do I need on my truck in North Dakota if it's my secondary vehicle?
I just got a new job, and they gave me a company car. I still want to keep my truck for off-roading and hunting trips. If I live in North Dakota, how much car insurance coverage do I need?
Eric Schad
Apr 28, 2021
Does liability insurance protect your car from damage?
Does liability cover damage to my car or someone else's car?
Emily Maracle
Jul 08, 2021
Do I need more than state-minimum liability in Georgia for my 2011 Highlander?
I lost my job due to COVID-19 and wanted to lower my car insurance to the state minimum. My agent told me that this coverage isn't really adequate, especially if I don't have much packed away in savings. What insurance should I get?
Eric Schad
Apr 22, 2021
Is my travel trailer covered by my car insurance?
I’m the only one in my friend group who has a travel trailer, and as a result, they’re always asking me to help them move furniture and other large objects. I’m happy to help and don’t mind the work, but I worry about the damage it may sustain. Is my trailer covered by my car insurance policy?
Jack Walsh
Jan 18, 2022
What coverages make up liability insurance?
What is liability insurance? I need basic coverage for my 2005 Nissan Altima. I don't understand what coverages make up liability insurance or what the numbers mean.
Emily Maracle
Jul 08, 2021
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?"
Emily Maracle
Feb 16, 2022
How much will my scooter insurance be on a Vespa Primavera 50?
I just bought a brand new Vespa and want to get insurance to protect it. How much can I expect to spend?
Emily Maracle
Sep 02, 2021
How does property damage liability work in a no-fault state such as Florida?
I know that Florida is a no-fault state. Can someone please explain how property damage liability works in Florida?
Eric Schad
Apr 23, 2021
Does Nationwide cover damage that my pet causes?
Will they cover the damage my dog caused to my furniture? My puppy has chewed up my sofa and the legs on my dining room table! I have had renters insurance with Nationwide for a while and part of the policy covers my property.
Shannon Martin
Jul 26, 2021
Is a 50/100/50 liability insurance policy too much coverage?
I'm a 26-year-old man and I'm buying my first car. I was looking at policies, and I thought I should get more than just minimum liability coverage. But is 50/100/50 liability insurance too much coverage if I just go to work and come home?
Eric Schad
Apr 28, 2021
Are dogs covered under home insurance?
My girlfriend and I were thinking about getting a dog together. I just got a notice that my home insurance policy is up for renewal, which got me thinking about our dog conversation. Are dogs covered under home insurance?
Melanie Mergen
Feb 08, 2022
Can I go without car insurance in New Hampshire?
I purchased a new vehicle and haven't yet purchased insurance. Do I need to, or can I go without it?
Sophie Newman
Jul 22, 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?
Shannon Martin
May 06, 2021
How can I check if a car has insurance?
How can I find out if someone has auto insurance? Someone hit my car, and a witness got their license plate. I want to find out if they have car insurance to cover the damages to my Toyota Prius.
Phoebe Mah
Sep 24, 2021
Who qualifies for dollar a day insurance in New Jersey?
Who qualifies for SAIP? I just learned that it's possible to buy insurance for a dollar a day in NJ.
Sophie Newman
Jul 22, 2021

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