Liability auto insurance is a requirement in every state. However, it doesn’t cover every car accident/incident. Liability insurance is required to meet a state’s minimum requirements. Our Orange Park, FL team at First Florida Underwriters Inc is committed to helping drivers understand what’s covered by liability insurance and what’s not.

What is Liability Auto Insurance?

Liability auto insurance is designed to cover damage to another driver’s car when you’re considered at fault for a car accident. Liability coverage includes property damage, injuries, and damage to other people’s vehicles. Every state requires drivers to maintain liability coverage at the state-approved levels for property damage, personal injuries, and auto damage.

Will Liability Insurance Cover My Car’s damage?

Unfortunately, liability insurance will not cover damage to your vehicle. It only covers damage to the other person’s property, vehicle, or bodily injuries if you’re found at fault for an accident. You will need to invest in comprehensive and collision coverage to get coverage for any damage caused to your car. Comprehensive auto insurance will cover any damage your vehicle sustains as a result of vandalism or other non-moving incidents. For example, comprehensive coverage would cover the damage if a tree limb falls on your car. Also, collision insurance will cover any damage your vehicle sustains from a car accident. Liability insurance will cover damage to the other driver’s car when you’re at fault. However, collision insurance covers damage to your vehicle. If you have questions about liability insurance, call us. Our team can help you explore your coverage options and find the best coverage for your specific situation.