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Answered 2012-08-27 02:05:51

Your own liability insurance will never pay for the damage to your property or for your medical expenses. Your collision insurance pays for damage to your property, if it is your fault. Your Uninsured Motorist Insurance or Underinsured Motorist Insurance pays for damage to your property if caused by someone else who is uninsured or under-insured.

Your liability insurance will pay for the damage to someone else's property or for someone else's medical expenses, if it is your fault.

Someone else's liability insurance will pay for the damage to your property or for your medical expenses, if it is their fault.

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