What Is Liability Car Insurance?

Drivers across the country are required to get auto insurance. But what exactly is required, and why? Every state has different laws for minimum coverage requirements, all pertaining to liability coverage.

When it comes to car insurance, liability coverage is there to protect other drivers, pedestrians and business owners from any damages you may cause with your vehicle. Take, for instance, the following circumstances.

• You cause an accident that damages another driver’s car.
• An accident you cause leaves another driver injured.
• You run your car through a business’ window.
• You hit a pedestrian in a parking lot.

In each of these circumstances, you’ve caused damage; therefore, you’re responsible for covering those damages. With auto liability insurance, your insurance provider can help cover property damage, medical bills and any lawsuits that may arise as a result of an accident. Without this coverage, you’d be responsible for these costs out-of-pocket. Not to mention, you’d be breaking the law by not having insurance.

While every state requires drivers to buy auto liability insurance, the minimum limits vary across the country. However, the minimum limits are rarely enough coverage, considering the high cost of car repairs and medical expenses. It may be in your best interests to get a car insurance policy with higher liability limits.

And even though only liability insurance is required by law, there a numerous additional coverage options that can benefit you as well. Talk to your agent about:

• Collision Coverage
• Comprehensive Coverage
• Uninsured/underinsured Motorist Coverage
• Roadside Assistance

Why consider these options? Liability coverage is designed to protect other people you may inflict damage upon. These other coverage options are designed to protect you and your vehicle.

For more information about your state’s requirements and to get a free auto insurance quote, call your independent insurance agent today.

We’ve got you covered. Call Guardian Insurance at (855) 554-6482 for more information on Georgia auto insurance.