(Posted on Sep 17, 2018 at 06:28AM by Patrick Wensink)
Hi Patrick,
I have owned my Nissan Frontier for a few years and love it. The time has come to take another look at all of my coverage options, and I’m confused about what liability insurance entails. Can you help?
-Ned
Hi Ned,
Wow, I totally understand. Switching up can feel overwhelming and even kind of scary. Thankfully, there are some pretty simple things that’ll sort everything out for you.
The first thing to should know is that liability is the minimum coverage required in every state. It is also often the least expensive, depending on your driving history and many other factors. So, if the biggest concern is staying legal, this is a good choice.
This particular form pays for repairs to other cars, medical expenses, and lost wages for people in other vehicles. This basically helps fund all the damages if you are found responsible in an accident.
However, there is one important element everyone should be aware of. Liability will not give you money for any of those costs to yourself or automobile. Those will come out of the owner’s own pocket if a collision is their fault.
Let me know if you have any other questions I can answer. Â