Auto insurance pays for bodily injury (BI) or property damage (PD) you cause another person.
A popular type of insurance protection, liability insurance, is required in all states. But it usually costs much less than other types of coverage because it pays only for the damage you cause others, not for those you suffer yourself. Because of this, insurers consider liability insurance partial coverage and charge much less for it than for full auto coverage.
If you have auto liability insurance and you get into an accident, your policy will pay to repair or replace the other person’s car and also pay any medical bills that result-up in your BI and PD limits without forcing you to dip into your own pocket. This can save a considerable amount of mental and financial stress following an accident and keep you from getting sued for damages that result.