Do We Really Need Car Liability Insurance?

What’s the purpose of Car Liability Insurance

Accidents can occur when you least expect them. To get in an auto accident, you just need to look down for 1 – 2 seconds. That’s it? A quick distraction is what happens to every accident.

  • Change the music on your iPod/iPhone/CD player
  • Eat in your car
  • Grab something out of the glove compartment
  • Dialing a number/Charging/Assisting the cell phone
  • Turn on the heater/air conditioner in your car
  • While driving, write down something

These quick actions can save you a lot of time and prevent an accident. You could be in for a shock if you don’t have auto liability insurance.

Car Liability Insurance protects you from the liability you may have if you are responsible for an accident involving your car.

You need to have adequate Car Liability Insurance

You are responsible or liable for the loss or injury of another person. This risk is real, and without adequate Car Liability Insurance, it could put your whole family at serious financial risk.

Get full coverage for your car liability insurance

Do not, repeat, do NOT buy the minimum state-required car insurance for car liability coverage. If you are involved in a serious accident, it is not enough to cover you financially. The excess amounts beyond your auto insurance coverage limits will be your responsibility.

Car Liability Insurance offers two types:

Bodily Injuries Liability (BI),

This type of car liability insurance covers bodily injury and death for those who are responsible in an auto accident.

Bodily Injury Liability Insurance also covers legal defense funds if you are sued by the other person involved in the accident.

Your vehicle is not covered by Bodily Injury Liability. It does not cover your vehicle.

Property Damage Liability – (PD):

Property Damage Car Liability Insurance protects you and your car from any damage to other cars/buildings if you are responsible for an accident.

This could be the car of the other party, fire hydrants poles fences or homes, as well as their cars.

Property Damage Liability Insurance provides coverage for attorney and court fees in the event that you are sued by someone for causing damage to their property.

You should keep in mind that if your life bodily injury car insurance does not provide enough coverage for property damages car liability insurance, additional funds may be taken out of your pockets which could expose you and your family to serious financial risks.

You can be sued for damages if you cause a multi-car accident. Make sure to have enough insurance.

Don’t skimp when it comes to saving money on liability car insurance.

Save Money on Car Insurance Online:

  • You must decide on the amount you will need to insure your car for each of these types.
  • To compare auto insurance quotes, you can use a comparison website for car insurance.
  • You may also consider increasing your auto insurance deductible to save money.

You are missing out on huge savings if you don’t buy your car insurance online

Car Insurance comparison websites have an interest in finding the best car insurance policy. They are not focused on one auto insurance company. An auto insurance agent will only sell you car insurance policies of their company if they are representing you.

Evan Povich represents Insurance Comparisons Site. provides cheap insurance quotes from more than 100 top insurance companies. They offer life insurance quote / insurance for life, car insurance, life insurance quotes, life insurance quotes, and homeowners insurance quotes. We aim to offer cheap online insurance quotes. It is important that consumers compare insurance prices for any insurance they plan to purchase in order to save money.