Auto Liability Coverage
The mandatory core of auto insurance, paying others for bodily injury and property damage the driver causes.
Overview
Split limits such as 50/100/50 mean 50,000 dollars per injured person, 100,000 per accident, and 50,000 for property damage. Nearly every US state requires minimums, often as low as 15/30/5, which a single hospitalization can exceed, leaving personal assets exposed to judgments. Liability pays defense costs on top of limits, a valuable feature given litigation expense, and follows the driver and insured vehicles as the policy defines insured persons. Fault states use it to compensate victims directly while no fault states add personal injury protection and reserve lawsuits for serious thresholds. Raising limits is usually cheap because severe accident frequency is low, which is why agents pair it with umbrella coverage.
Related Topics
Collision Coverage
It pays actual cash value regardless of fault, subject to a deductible of 250 to 1,000 dollars, with higher deductibles buying low...
Comprehensive Coverage
Covered perils include fire, falling objects, vandalism, glass breakage, and deer strikes, which total near a million US claims a ...
Personal Injury Protection
Mandatory in roughly a dozen and a half US no fault states, it typically carries limits of 10,000 to 50,000 dollars and covers pas...
Uninsured and Underinsured Motorist Coverage
Roughly one in eight US drivers carries no insurance, with some states near one in five, which makes this a major protection decis...