Other people’s medical expenses after accidents caused by the policyholder
Damage to other people’s property caused by the policyholder
Legal fees if the policyholder is sued after causing an accident
What Liability Car Insurance Does Not Cover
The policyholder’s accident-related medical expenses
Damage to the policyholder’s vehicle or property
Lost wages, childcare, or other peripheral costs for the policyholder
Almost every state requires drivers to have liability insurance. Regardless of how much liability coverage the state requires, you should always purchase as much as you can comfortably afford to protect your finances and other drivers.
What Other Types of Liability Insurance Cover
There are several other types of liability insurance, including homeowners liability insurance, business liability coverage, and personal liability insurance. They all work in a similar manner to auto liability insurance: protecting the policyholder financially in incidents they are at fault for and offering assistance with legal costs if they are sued because of such incidents.
Your liability insurance does not cover your own car if someone hits you. The responsible driver's liability insurance will however cover any damages to your vehicle, because liability only pays for damages the policyholder causes to others and their property.
If the driver who hits you is uninsured or unidentified, you can file a claim with your uninsured motorist or collision coverage. If you don’t have these coverage types and cannot receive a payout from the at-fault driver, you will need to pay out of pocket for repairs.
If you only have liability insurance and were hit by another car, the at-fault driver's liability insurance will pay for your injuries or property damage. If the other driver has no insurance, you can file a claim with your own uninsured motorist coverage, if you have it.
Your liability insurance will not apply when you are hit by another car because it only pays for other drivers’ medical bills and vehicle repairs when you are at fault. Consequently, if you have … read full answerliability-only insurance, you will need to pay out of pocket for your own bills if you cause an accident. But if another driver is at fault, their liability coverage will pay for the damage they cause to you and your property, up to their policy limits.
If someone hits your car, you should call your insurance company. But first, you’ll probably want to call the police, especially if the damage is severe, there are any injuries, or the accident was a hit-and-run. Even if you don’t think you are at-fault, you’re required to report potential claims to your insurer.… read full answer
There is no need to contact the other driver’s insurance company, even if the accident was their fault. It is the other driver’s responsibility to contact their own insurer, and your provider will reach out to them on your behalf after you report the accident.
Your insurance company will help you resolve the claim with the other driver’s insurer, if possible. And if your claim can’t be resolved through the other driver’s insurance, reporting the accident to your insurance company is necessary to file a claim using your collision coverage or uninsured motorist protection.
If you can, be sure to collect the following details for your insurance company at the accident scene:
The other driver’s name, address, and contact information.
The other driver’s insurance company and policy details.
The other driver’s license and plate numbers.
Pictures of the accident scene and vehicle damage.
Statements and contact information from witnesses.
You’ll need this information when you call to file a report with your insurance company.
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