What does liability insurance cover?
Getting car insurance is easy. Most states require drivers to carry liability insurance coverage. There are two types of liability car insurance: Bodily Injury Liability and Property Damage Liability.
Bodily injury liability insurance helps cover costs associated with any injuries to another person caused by an accident where you’re at fault.
Property damage liability insurance helps cover any damage to property (i.e., a vehicle, building, streetlight, etc.) caused by an accident where you’re at fault.
In both cases, your liability insurance will not pay for your own property damage or bodily injuries caused by another driver. However, most states require all drivers to carry liability insurance coverage to some extent.