Auto Insurance 101: What Does Liability Cover?

Let’s be real: insurance terms can be confusing.
You’ve probably seen “liability coverage” listed in your auto policy — but what does that actually mean?

Let’s break it down 👇

So... what is liability coverage?

Liability coverage is what helps pay for damage or injuries you cause to someone else in a car accident.

Let’s say you accidentally rear-end another driver (oops 😬). If it’s your fault, liability coverage can help pay for:

• Their medical bills 🏥

• Their car repairs 🚗

• Damage to property you hit (like a fence, mailbox, or even a building) 🧱

Basically, it’s your financial safety net when you’re at fault. And in most states? It’s the bare minimum insurance you're legally required to have.

But here’s what it won’t cover:

This is where people get surprised:
Liability coverage doesn’t pay for:

• Damage to your own car 😕

• Injuries you might get

• Repairs if the other driver doesn’t have insurance

So if you're thinking, “Wait… what covers my car then?” — that’s where collision and comprehensive coverage come in.

Quick breakdown:

• ✅ Liability = protects others from your mistake

• ✅ Collision = fixes your car after a crash

• ✅ Comprehensive = covers non-crash stuff (like theft, hail, fire, etc.)

Why this matters:

Imagine getting into an accident and then finding out your insurance won’t help fix your own car. That’s a tough (and expensive) lesson.

We’ve seen it happen — and we don’t want that for you. That’s why it’s worth having a quick chat to make sure your coverage fits your life.

Not sure what you’ve got? Let’s check.

We’ll keep it simple, no pressure, and no confusing insurance talk. Promise. 📞 Call us: 423-541-1111