Liability coverage is one of the most basic types of auto insurance coverage, and one of the few types that is mandatory in every state, including California. If you are found to be at fault for a car accident, liability coverage helps pay for damage to the other person's property and costs associated with their injuries. This means there are two components of liability coverage: property damage liability and bodily injury liability.
Liability insurance will cover damages you cause in a car accident, including:
Liability coverage rarely covers damage to your own vehicle or costs associated with your own injuries.
As you compare insurance quotes, pay attention to the liability coverage options and the limits.
When you buy an auto insurance policy, you will need to get at least the minimum liability coverage required by the state. California requires minimum liability limits of 15/30/5. This means you must have at least $15,000 in bodily injury per person, $30,000 in coverage for maximum bodily injury per accident, and at least $5,000 in property damage liability per accident.
You may want to buy additional coverage to make sure you are better protected. For example, what happens if you cause an accident with a very expensive car? In this case, the $5,000 minimum property damage coverage would barely make a dent in the damages.
Liability coverage is required if you are going to drive in California. Get a free quote for liability auto insurance from Pipeline Insurance Services today. We will give you many competitive quotes from top-rated insurance companies in the area so you can compare and choose the policy that best fits your budget and your needs!