Car Liability Insurance and its Proper Definition
We all know that insurance comes in many guises. Car liability insurance is the insurance that pays out when a person claims off you for any damage to property or body incurred by an accident with you. You are required by law to have at least car liability insurance to drive a vehicle. Different areas have their own requirements in relation to minimum liability coverage.
There is an insurance called the bodily injury liability insurance which is in place to cover you should you cause injury to a third party in an accident. This car liability insurance also covers you and your listed family members when you are driving another person’s car with their permission. Of course, you can purchase more than just the bodily injury liability minimum. In fact, many choose to do so since if you cause a serious accident, you could be sued for a lot of money. You want as much protection as possible in that case.
You would also have to avail of property damage liability insurance. This basically covers damage to property caused by an accident. That includes all sorts of things, from other cars and buildings, to lamp posts and road signs.
Car liability insurance is contrasted by comprehensive insurance, which covers much more. Compared to car liability insurance this comprehensive insurance covers eventualities such as theft, arson and vandalism. Comprehensive insurance is, naturally, more expensive.
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