What is liability car insurance?

Liability car insurance covers your legal responsibility for injuries to other people and damage to their property when you cause an accident. It does not cover your own injuries or your own vehicle. States set minimum liability limits, with separate amounts for bodily injury per person, bodily injury per accident, and property damage. Driving without insurance is illegal in most states, and proof of insurance is generally required to register a car.

Liability car insurance covers bodily injury and property damage you cause to other people in an accident, up to your policy's limits. Arizona mandates liability coverage, so drivers must carry at least the state's minimum limits for bodily injury per person, bodily injury per accident, and property damage. It does not cover your own injuries or your own vehicle damage.

Liability car insurance pays for injuries and property damage you cause to other people in an accident. Texas requires every registered motor vehicle to carry minimum liability coverage, expressed as three limits: injury per person, injury per accident, and property damage. It does not cover your own injuries or damage to your own vehicle.