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Answered 2010-01-15 16:12:38
  • If the question you are asking is: does your car insurance cover passenger injury when the driver of a car caused an accident. In the UK - the answer to this is "yes". The driver of a car owes a duty to his passengers to keep them safe and car insurance covers legal liability for passenger injury even when only one vehicle is involved in an accident. See the related link entitled "accident car insurance" to see all the types of vehicle insurance you can have in the UK and what type of liabilities each type of insurance will meet.
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Liability coverage offers coverage for bodily injury and property damage to the other vehicle and passengers who you hit if the accident is your faulty. It does not cover you or anyone in your vehicle.


Liability coverage (often simply called "liability") protects you from damage you do to others or to property in an accident. Some level of auto liability insurance coverage is required in all 50 states - get info for your state's auto liability insurance coverage requirements here.




Liability coverage is to pay for the other party's damage in an accident that is your fault. It is divided into two parts, bodily injury and property damage. You have a choice of selecting what amount of coverage you wish to purchase.


If the accident is your fault, your liability coverage will pay for the other person's damages. You will be out of luck as no coverage will be afforded for the damages to your vehicle or any injuries to you or your passengers.


This means that if the accident was your fault, your insurance will pay(up to an amount that is on your policy) for the other property and persons involved in the accident. Liability insurance does NOT cover your vehicle damage.


Liability insurance pays for someone else's damages if an accident is your fault but won't cover your vehicle. Full coverage provides liability insurance as above but will also cover your damages to your own vehicle in an accident regardless of whose at fault, as well as theft, fire, etc.



Property damage liability is the coverage section of your liability auto insurance that will pay for physical damage to the vehicle or other property of another person if you are at fault in an auto accident. This coverage would pay for repairs of the person's car or whatever else is damaged.


That is the part of your insurance that pays for damage to your vehicle, when you are at fault, if you are involved in an accident. This is coverage would need to be purchased in addition to your regular liability insurance.


I had full coverage when I purchased my used car and a few months later I was in an accident that wasn't my fault and the time I was paying on my insurance they told me that I was only paying liability I never cancelled my full coverage to liability. what can I do about this?


LIABILITY COVERAGE Refers to coverage for liability that an individual has if he or she should negligently injure another person or another person's property.


Liability coverage covers you if you are found liable or at fault for damages. In the case of auto insurance, for example, this coverage pays for damages you cause in an accident that is you fault. This coverage will NOT cover your car damage, however. Just the other drivers car, medical bills, & other property damage.


Full Coverage covers usually refers to having maximum liability, comprehensive and collision coverage on your policy. Maximum liability coverage covers third party injuries and damages when you are found at fault for an accident. It also gives you comprehensive and collision coverage that will cover repairs to your car if you are at fault for the accident, or something out of your control happens (vandalism, hit a deer). It is referred to as full coverage because your assets are covered as well as thrid party assets.


Liability covers the other person that you damage. Uninsured and under-insured motorist coverage carries those in your vehicle. Medical payments coverage covers everyone involved regardless of fault.


Every state sets the legal minimums for auto insurance. As of May 2013, in Washington State, you must be covered for: - $25,000 of Bodily Injury Liability Coverage per Person - $50,000 of Bodily Injury Coverage per Accident - $10,000 of Property Damage Liability Coverage - $5000 of Uninsured Motorist Coverage See the related link for more information.


The amount of coverage and the specifics of coverage will vary from policy to policy. In general liability insurance will cover damages to individuals or entities other than the insured individual. For example, in auto insurance liability insurance will provide for individuals injured in an accident excluding the policy holder.


You do not pay a deductible for the car that you hit. Your liability coverage does not have a deductible.


Only if you have bought the extra coverage to have a rental. "Full coverage" usually just means you bought liability, comprehensive, and collision insurance.


Liability Coverage under an auto policy has what components: Medical payments Collision Comprehensive None of these Liability Coverage under an auto policy has what components: Medical payments Collision Comprehensive None of these Liability Coverage under an auto policy has what components: Liability Coverage under an auto policy has what components:


Louisiana state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $25,000. This basic coverage is often referred to as 15/30/25 coverage.


Homeowners insurance does not have liability coverage for your job occupation. You can obtain contractors insurance for liability coverage.



A common policy structure has 100/300/50 liability limits, which covers up to: $100,000 for injuries per person. $300,000 for injuries total, per accident. $50,000 for property damage per accident.



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