Does Liability Insurance Cover My Car If I Hit Someone?

Does Liability Insurance Cover My Car If I Hit Someone?

Do you want to know does liability insurance cover my car if I hit someone? A car insurance policy must include liability insurance. The policy covers damages you may cause to others while driving. For example, you need to consider the coverage provided by liability insurance when you hit someone in an accident. 

So, this article will help you better understand liability insurance and what it covers, as well as the benefits of having it and some examples.

What is Liability Insurance?

The purpose of liability insurance is to protect you financially if you cause harm to someone else or their property. Bodily injury and property damage liability are car insurance’s two main liability coverage categories.

Moreover, you are liable for the medical expenses, pain and suffering, and lost wages of individuals injured in your fault accidents. 

As a result of an accident, property damage liability covers the repair or replacement costs of other people’s property.

Does Liability Insurance Cover My Car If I Hit Someone?

Liability insurance covers the other party if you hit someone with your car. In most cases, it doesn’t cover your vehicle. It protects you from financial liability and potential lawsuits.

When you hit someone, your policy will cover their medical expenses, lost wages, and property damage. Liability coverage has limits set when you buy your insurance policy. You should also know if can you buy life insurance for someone else.

Depending on the limits, your policy firm will pay the most damages.

When Does Liability Insurance Not Cover My Car If I Hit Someone?

In certain situations, this policy may not cover your car if you hit someone. Here are a few examples:

  • Collision Coverage: 

Your collision coverage may cover damage to your vehicle regardless of fault. A deductible usually applies to collision coverage, separate from liability insurance.

  • Uninsured or Under insured Motorist Coverage: 

So, this coverage may kick in if the person you hit doesn’t have insurance or has insufficient coverage. In case of an accident, this coverage helps protect you.

  • Intentional Acts: 

Your policy may not cover damages if you hit someone. Again, it is because insurance policies usually exclude intentional acts and focus on uncertain accidents.

It’s vital to review your insurance policy and speak with your insurance provider to consider the extent of coverage in different scenarios fully.

Benefits of Having Liability Insurance| You Need to Know

A liability insurance policy offers several benefits. A few advantages:

  • Financial Protection: 

Liability insurance helps cover the costs of damages you may cause others. It protects you from paying these expenses out of pocket, which can be financially devastating.

  • Legal Protection: 

You can get liability insurance to cover your legal fees if you cause an accident. You can avoid the burden of sailing the legal system by having your lawyer provide a legal defense.

  • Compliance with the Law: 

Liability insurance is a legal rule in most states. In consent with the law, maintain the small required coverage and avoid potential fines or penalties.

  • Peace of Mind: 

Liability insurance gives you peace of mind. You can focus on the road knowing that coverage is available in case of an accident.

Some Examples

Here are a few examples of how liability insurance works:

  • You are driving and by chance rear-ended another vehicle at a stop sign. The other driver sustains minor injuries, and their car incurs significant damage. Liability insurance would cover medical expenses and vehicle repairs for the injured driver.
  • You side-swipe a parked car while making a turn. Car owner files claim for damages. The limits of your liability insurance cover the repair costs of the other person’s car and any linked expenses.
  • A walker crosses the street by chance while you’re distracted. There is extensive medical treatment needed for the ordinary. As long as your policy limits allow, your policy will cover the walker’s medical expenses and pain and suffering.


Liability insurance provides protection for damages you may cause to others. The primary purpose of it is to cover the other party’s expenses, such as medical bills and property damage. 

So, understanding your liability coverage limits and other options, like collision or uninsured motorist coverage, is crucial to protecting your vehicle. 

As a result, you can drive with confidence, knowing you are legally compliant and financially protected.


How does collision insurance differ from liability insurance?

The collision coverage pays for your vehicle’s repairs or replacement if it’s damaged or destroyed in an accident, regardless of fault. A liability policy pays for damage to another’s car when you cause it.

Does liability mean full coverage?

Your liability coverage covers injuries and damage to others. It refers to liability, other state-required coverages, and car damage (comprehensive, collision), but it is not insurance.

What is the limit of liability per claim?

A policy’s total limit of liability is the largest amount your insurer will pay for all claims during its term.

What is the meaning of liability insurance for cars?

Liability insurance pays for damage and injuries caused by your negligence—an insurance firm’s maximum payout. When you are in an accident, medical payment coverage covers limited medical costs.

What does liability-only insurance cover?

Does Liability Insurance Cover My Car If I Hit Someone? In an at-fault accident, liability only covers injuries or property damage you may cause. Coverage for comprehensive and collision provides financial protection.