Each state has different personal auto liability minimums as far as what type of car insurance you need when driving a car or motorcycle. Use our state-by-state guide to learn more about state minimums for personal liability coverage for car insurance. What is Liability Auto Insurance? Liability coverage, as part of your car insurance policy, offers financial protection to drivers who harm, damage or injure another person and/or their property while driving a car. Bodily injury liability coverage or medical expenses coverage offers protection for drivers from the cost of medical expenses for someone else they injure while involved in an accident. Property damage liability is financial protection from the costs of repairing or replacing vehicles of drivers involved in an accident. Some states may require uninsured or underinsured motorist coverage. And some may refer to Personal Injury Protection, or PIP, which is mandatory in no-fault states. A no-fault state is one that has no-fault car insurance laws. With these laws, drivers file claims under their own insurance policy, no matter who is at fault for the accident. How to Analyze Auto Liability Minimums Often, coverage levels are displayed like this: 20/40/15, or $20,000/$40,000/$15,000. The first two numbers in this sequence refer to medical coverage, while the last refers to property damage. The first number refers to the to maximum amount a policy will pay for an individual. The second number refers to the amount of...
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