| While not all states require their drivers to own | | | | It is a good idea to purchase enough auto liability |
| auto insurance, most of them do. Those that do | | | | insurance to cover any lawsuit that could |
| not, require the motorist to have assets enough | | | | potentially come your way or to cover the |
| to cover the cost of a collision of which they are | | | | damages your vehicle might do to another |
| responsible. If that is not possible or if your state | | | | person, vehicle or object. Although most states |
| is one that does require all vehicles to be insured, | | | | mandate the minimum amount of coverage you |
| then we would like you to consider auto liability | | | | must purchase, it is a good idea to purchase |
| insurance. Below is a compilation of frequently | | | | more since it very well may not be enough. |
| asked questions. | | | | 3. What Is "No-Fault" Insurance? |
| FAQs Regarding Auto Liability Insurance: | | | | If your state requires "no-fault" insurance then |
| 1. What Exactly Is Auto Liability Insurance? | | | | you must pay for any medical expenses suffered |
| This coverage is broken up into two areas. We | | | | by you and/or your passengers regardless of |
| will discuss them separately. | | | | who was responsible for the collision. No-fault |
| Bodily Injury Liability covers the bodily injuries or | | | | insurance laws are intended to keep insurance |
| death suffered by other people in a collision for | | | | fraud at a minimum. |
| which you are responsible. These claims may | | | | 4. What Can Happen If My Auto Liability Insurance |
| involve such things as medical bills, loss of wages | | | | Coverage Is Too Low? |
| or pain and suffering. Bodily injury liability also | | | | You could be putting yourself in financial risk. If |
| provides for legal defense should another party in | | | | you or someone on your policy cause an accident |
| the accident file a lawsuit against you. It does not | | | | with severe damages that exceed your limits, |
| cover you or others on your policy. | | | | you will be held personally responsible for for the |
| Property Damage Liability covers you if your | | | | extra damages. |
| vehicle causes damage to another party's | | | | 5. What Is My Premium Paying For? |
| property. Most often this is a vehicle, but it also | | | | Auto liability insurance pays for accidental bodily |
| includes fencing, landscaping, house or other | | | | injury and property damages to another party. |
| structure. It also provides you with legal counsel | | | | Injury damages include medical expenses, lost |
| should a lawsuit be filed against you by another | | | | income and pain and suffering. Property damage |
| party. | | | | includes damage to property. This coverage also |
| 2. How Much Coverage Do I Need? | | | | pays attorney fees and court costs. |