Think you don’t need car insurance? Think again. Most people don’t know that when they get in a car accident and the other driver doesn’t have car insurance, their own motorist coverage will cover them. That’s why it’s important to have liability coverage even if you don’t think you’ll ever need it – you never know when an accident will happen.

What is the insurance of auto liability?
The insurance of auto liability is a type of insurance that helps protect you financially if you are involved in a car accident and found to be at fault. This coverage can help pay for damages to the other driver’s vehicle, as well as any medical bills incurred by the other driver or passengers. In some cases, it may also cover property damage caused by your car.
The liability coverage of auto definition may sound simple enough, but here’s a real life example: you’re at a four-way stop a few blocks from your house. You’ve done this route hundreds of times, so you don’t notice that it’s technically the other car’s turn to go – until it’s too late.
The next thing you know; you’ve smashed into another driver’s car in the middle of the intersection. Your insurance company will work with the other driver’s insurance company to determine who is at fault (if you live in a no-fault state).
If you have liability insurance, your insurance provider will cover costs for the driver’s damaged car, minus your deductible, and up to your covered limit.

What does it cover?
The liability insurance of auto covers damages that you may cause to someone else while operating your vehicle. This includes both property damage and bodily injury. If you are found at fault in an accident, your insurance will help pay for the other driver’s repairs, medical payments coverage, and any other associated costs.
It is important to note that the liability insurance of auto does not cover your own damages or expenses. For this, you’ll need additional coverage, such as collision or comprehensive insurance.
Source: https://www.powerpacplus.org/en/what-should-we-know-about-auto-liability-insurance/
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