Liability-only auto insurance pays for injuries and property damage you cause to others while you're driving. It meets the state's legal minimum, but it doesn't pay for your own car or your own injuries.
What it covers
- Bodily injury liability
- Medical bills, lost wages and other costs for people you injure in an accident you cause, other than members of your household.
- Property damage liability
- Repairs to other people's vehicles and property, such as fences, buildings and guard rails.
What it doesn't cover
- Damage to your own car after an accident you cause
- Your own medical bills, unless you add personal injury protection or medical payments coverage
- Theft, hail, flood or other damage to your car
When it can make sense
Liability-only coverage can fit an older car that's paid off and worth less than a few years of full coverage. If your car is financed or leased, your lender will almost always require collision and comprehensive. We'll walk through the trade-offs with you before you decide.
