Liability Only Auto Insurance in Utah
For drivers seeking auto liability protection without collision or comprehensive coverage on their own vehicle, insurance needs can be shaped by bodily injury liability, property damage liability, state requirements, uninsured motorists, and financial responsibility. A policy should reflect the way the risk is actually used or operated rather than relying only on a broad category label.
Insurance options can vary considerably between companies. Direct Insurance Servicescan help clients in Utah compare available policies and review important differences in coverage, limits, deductibles, eligibility, and exclusions.
Why Is Liability Only Auto Insurance Important?
Liability-only auto insurance generally refers to a policy that includes required or selected liability coverages but does not include collision and comprehensive coverage for damage to the insured’s own vehicle. It can reduce premium, but it also leaves the vehicle owner responsible for many losses to their own car.
The goal is not simply to purchase a policy with the lowest premium. It is to understand the exposures involved and select insurance that fits the individual, property, vehicle, or business as closely as possible.
Liability Only Auto Insurance Coverage Options
The appropriate coverage depends on the specific situation. Options may include some of the following protections.
Bodily Injury Liability
Bodily injury liability may help pay covered medical expenses, lost wages, legal costs, or other damages when the insured driver injures another person in an at-fault accident.
Property Damage Liability
Property damage liability may help pay for covered damage the insured driver causes to another person’s vehicle or property.
Uninsured and Underinsured Motorist Coverage
Depending on the state and policy, uninsured or underinsured motorist coverage may protect insured occupants after certain accidents involving inadequately insured drivers.
Medical Payments or PIP
Medical payments or personal injury protection may be available or required depending on the state and can help with certain accident-related medical expenses.
Liability Only Auto Insurance FAQs
What does liability-only car insurance pay for?
Liability coverage may pay covered bodily injury and property damage claims when the insured driver is legally responsible for an accident. It generally does not pay to repair the insured’s own vehicle.
Does liability-only insurance cover my car if I cause an accident?
No. Damage to the insured vehicle generally requires collision coverage, while certain non-collision losses require comprehensive coverage.
Can I carry liability-only insurance on a financed car?
A lender or leasing company will usually require physical damage coverage in addition to liability while it has a financial interest in the vehicle.
How much auto liability insurance should I carry?
State minimums may be lower than the amount needed after a serious accident. Appropriate limits depend on assets, income, household exposures, and budget.