What is liability insurance and when do I use it?

bundysmom

LIABILITY covers damages to a 3rd party you are legally responsible for...you are at fault. Liability covers property damage and/or bodily injury claims.

Medical payments is 1st party coverage and only YOU can use it, at fault or not.

patti duke

Your question is unclear to me. The only reason I can think of why your accident benefits (or the medical side of the policy) would be available to you but not the liability side (your third party coverage (tpl) for damage you caused to someone else's property) is because you have breached the coverage on your policy. Were you intoxicated or under the influence, under suspension or in breach of any of the conditions on your license, left the scene of the accident, provided a false statement to the police or your insurance company? Any of these (plus several more) will render your coverage null and void for tpl but don't affect the accident benefit portion of your claim. As a side bar, it is not usually a lawyer who tells you that you are at fault, it is the insurance adjuster assigned to your file. The fact that you mention a lawyer only makes me more suspicious that the whole story hasn't been told here.

vicky o

liability is what it will take to repair the other persons car, not your.

ATIJRTX

There are two distinct coverages that are in question.
First, Third Party Liability (TPL).
Second, Personal Injury Protection (PIP).
They are very self-explanatory.

horsegirl716

liability is to cover the other drivers vehilce that you hit. It is used only for injury or damage caused s a result of you error...not your injury or youur car.
In Canada you need to carry collision insurance to cover your vehicle. not sure what collision is called outside Canada

oklatom

Liability covers the other person if you, through your fault, have damaged their property. It doesn't cover your property, you would need full coverage and collision to cover damaging your own property accidentally.

Kwijibo

all the liability policy is is when you damage somebody elses property or hurt them or yourself it covers it up to the amount of insurance you have. It does not cover damages to your own vehicle.

burning brightly

It means that you because it was your fault your insurance is only going to cover any medical claikms out of your accident and not any damage to other cars or your car resulting from this your fault accident

expertless

medical payment coverage is not based on who was at fault. it is for you and your passengers regardless of who is at fault. it has a limit. liability is what it says, it will pay up to the limit to any person or property that you are responsible to for damage or injuries. you cant be liable to yourself. you would have to have collision coverage to fix your own car if you are in an accident and are at fault. coverages also vary by state, ie, no fault, etc

prettyeyes

I used to live in Everett, Wa and I got a DUI. I took care of all the classes and stuff that I had to take but since then I moved to Canada. I called Everett to find out what I need to do to get a drivers license in the states an they tell me that I need to get an SR 22. My insurance company in Canada doesn't know what an SR 22 is. How do I go about getting an SR 22 if I live in Canada?

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