Liability Insurance
— Protect Yourself on the Road

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Stay legally compliant and financially secure with the right auto liability insurance

Liability insurance is the foundation of every car insurance policy. It’s legally required in almost every U.S. state and protects you if you’re responsible for causing injuries or property damage to others in an accident.

At CoverAI, we help you get affordable, personalized liability coverage, so you can drive with peace of mind.

What Is Liability Insurance?

Liability insurance pays for others’ expenses if you’re at fault in an accident — not yours. It’s split into two main parts:

Coverage Type

What It Covers

Bodily Injury Liability

Medical expenses, lost wages, and legal costs if someone is injured.

Property Damage Liability

Repair or replacement costs for damaged vehicles, buildings, fences, etc.

Important: Liability insurance does not cover your own car or medical bills — only the damage or injury you cause to others.

Coverage Type

Bodily Injury Liability

What It Covers

Medical expenses, lost wages, and legal costs if someone is injured.

Coverage Type

Property Damage Liability

What It Covers

Repair or replacement costs for damaged vehicles, buildings, fences, etc.

Important: Liability insurance does not cover your own car or medical bills — only the damage or injury you cause to others.

Why Do You Need Liability Insurance?

Meet Legal Requirements

Driving without liability insurance can lead to heavy fines, license suspension, or even vehicle impoundment.

Protect Your Finances

Car accidents can result in lawsuits and medical or property bills that cost tens of thousands of dollars — or more.

Drive With Confidence

Know you’re protected if the unexpected happens on the road.

How Much Coverage Should You Get?

Every state has minimum liability limits, like 25/50/25 — meaning:

But minimum isn’t always enough. We help you choose coverage that truly protects you, so you’re not left paying out-of-pocket.

Example Coverage Breakdown

Scenario:

Medical bills for two people

Minimum Coverage May Pay:

$50,000 total

You May Owe Without Extra Coverage

Anything above $50,000 comes from you

Scenario:

Luxury car damage

Minimum Coverage May Pay:

$25,000

You May Owe Without Extra Coverage

Repair costs beyond $25,000

Scenario:

Lawsuit legal fees

Minimum Coverage May Pay:

Covered up to limit

You May Owe Without Extra Coverage

Excess legal costs are your responsibility

Who Needs Liability Insurance?

Why Choose COVER AI ?

FAQ — Liability Insurance

Can I drive without liability insurance?

No. In most states, it’s illegal and can lead to fines or losing your license.

Does liability insurance cover my car?

No. It only pays for others’ injuries or property damage if you’re at fault.

Should I buy more than the minimum?

Yes! Minimum limits often fall short in real-world accidents. We recommend reviewing your situation with our team.

Ready to Get Covered?

Contact us today for a free quote on liability insurance that fits your needs and budget.
Stay protected, stay confident — let’s get you on the road safely.

Get My Free Quote

Call us:

+1 (312) 395-0872