Liability Auto Insurance Coverages

Cheapest Liability Auto Insurance Coverages

Most states require you to buy a minimum amount of liability coverage to pay for damages or injuries you cause to others. The amount varies by state. You will be responsible for any property damage or bodily injury you cause above this amount, so think carefully before buying only the minimum. See "How Much Liability Coverage Should 1 Buy?" for more information.

• Bodily injury liability insurance: This coverage applies to injuries that you cause to someone else. You (and anyone else listed on your policy) are covered for your liability for damage and injuries caused in an accident, up to your policy limits.
  
• Property damage liability insurance: This coverage pays for damages you cause to someone else's car or to objects and structures your car hits. Note: In some states your policy could cover others not listed on your policy, up to your policy limit, if they drive your car with your permission. 

 Medical Payments/Personal Injury Protection

• In some states, you must have a minimum amount of coverage to pay for your medical expenses and lost wages, regardless of who is responsible for the car accident
   
• Medical Payments Insurance. This coverage pays to treat injuries to you and your passengers.
  
• Personal Injury Protection (PIP). This coverage, if available or required in your state, pays to treat injuries to you and your passengers, but also can cover such things as lost wages and funeral costs.
  
• Excess Medical Payments. This coverage pays for necessary medical costs greater than those paid under PIP/ benefits.