How Important Is Car Liability Insurance
You never know when you car going to get into an auto accident. That distraction for a few seconds is all it will take to get lose focus and risk a car crash. Simple as that. You look away for a few seconds and you end up hitting the car in front of you:
- Switching the station or to a different song on your iPod
- Enjoying a small meal while at the wheel (You've done that before right?)
- While on the road you might be checking the glove compartment for something
- Attaching your headset to talk on your cell phone
- Turning on the heater / air conditioner in the car
- Writing something down while driving
Those quick actions are all the time it takes to get into an auto accident. When an accident does occur and you did not add car liability insurance to your policy you could be in a worse disaster than you would expect.
If it is your fault in the car crash then car liability insurance coverage kicks in and will protect your liability or responsibility up to a certain amount specified.
It is absolutely necessary to add car liability coverage when you buy vehicle insurance
If another person or other people are hurt in the accident and if you are at fault then you are liable. Not having any or a very low amount of liability coverage can get you and your family into real financial trouble.
Make sure you are fully covered in regards to your car liability insurance
The state in which you reside in will list their minimums on how much liability coverage you should have. Never follow the guidelines they have specified. Those amounts are way too low. The recommended amount by the state isn't anywhere near enough to protect you from financial disaster if you were to get in an accident with you being at fault. You will be responsible for the amounts that exceed your auto insurance coverage limits.
Automobile Liability Insurance Coverage has two types:
Bodily Injury Liability (BI):
If you are at fault in an auto accident then this type of car liability insurance will kick in and cover the other party's bodily injuries / death.
Bodily Injury Car Liability Insurance also covers the funds needed for legal defense if the other party involved in the car accident decides to sue you.
What Bodily Injury Liability doesn't do is insure the damage on the car. It only covers the OTHER PARTY'S PEOPLE involved in the accident.
Property Damage Liability (PD):
Now if the accident is your fault then Property Damage Liability Auto Insurance portion will cover the damage BY your car to another car, building, fence, property, etc.Even poles, fences, fire hydrants, windows, etc. are covered
Property Damage Car Liability Insurance also provides coverage for court and attorney fees in case the other party decides to file a lawsuit against you for damage to their property.
The liability insurance is a buffer and if you do not have a strong enough buffer then anything that the liability insurance cannot cover will come out of your own pocket making you wish you had purchased enough insurance in the first place.
Remember that if you are in a multi car accident and you are at fault you can be liable and sued for amounts that may exceed a low car liability insurance coverage amount so make sure you purchase sufficient insurance!
It is important not to overlook how important auto insurance liability coverage is protecting your own financial situation.
To Save Money On Car Insurance Online:
Decide on a sufficient amount for the above two types of car liability insurance.
Once you have your numbers you know what coverage you need and can go online to do insurance quotes comparison shopping.
Also, to save more money you may want to set your auto insurance deductible a little higher and check to see if the difference in savings is sufficient.
No problem Finding Instant Auto Insurance
When you comparison shop for auto insurance quotes you really can save quite a bit more than going to a brick and mortar insurance office. Car Insurance comparisons sites have a vested interest in providing the best auto insurance policy for you and your family and not focused on any particular auto insurance company. Don't deal with one individual agent whose interest is to sell you a policy from their company instead of helping you find the most suited car insurance for you.