Looking for auto liability insurance? Want to know where to get cheap auto liability insurance quotes from reputable companies? Read on ...
Auto Liability Insurance
Liability auto insurance is the heart of an auto insurance policy. With the exception of New Hampshire and Wisconsin, all the states require that you have this coverage.
When you're at fault in an auto accident liability coverage pays bodily injury and property damage expenses for the people you injured. It also pays for their medical bills and lost wages, plus it pays for your legal defense bills and court costs if you're sued.
Liability insurance is written as three numbers. For example if you live in the state of New York, the minimum liability requirements are 25/50/10. That means you must carry:
- $25,000 worth of bodily injury coverage per person
- $50,000 worth of bodily injury coverage per accident
- $10,000 worth of property damage coverage per accident
Other Coverage You May Want
Collision and comprehensive coverage - Liability coverage does not cover the cost of repairing or replacing your car when have an accident, so you may want to purchase collision and comprehensive coverage.
Collision coverage pays to repair or replace your car when you're involved in an accident. Comprehensive coverage pays to repair or replace your car when your car is stolen, or when it's damaged by vandalism, fire, or acts of nature.
PIP (personal injury protection) - This coverage pays for your and your passenger's medical expenses when you're involved in an accident. It also pays for your and your family's medical expenses when you're hit by a car while walking.
Uninsured motorist coverage - This pays for expenses related to your injuries caused by an uninsured driver, an underinsured driver, or a hit-and-run driver.
Cheap Auto Liability Insurance Quotes
The best way to get cheap liability auto insurance is to go to an insurance comparison website where you can get rate quotes from a number of different companies.
Visit http://www.LowerRateQuotes.com or click on the following link to get cheap auto liability insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on where to get cheap auto liability insurance quotes.
Article Source: http://EzineArticles.com/?expert=Brian_Stevens
Article Source: http://EzineArticles.com/927623
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