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What type of car insurance do I need to cover damage I may cause?
What type of insurance covers damages I may cause? I just started driving and I'm worried about getting into an accident.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“In every state there is a
state minimum of car insurance
requirement. This typically includes coverage that will protect other drivers on the road from you. This type of insurance is called
liability car insurance
. Liability insurance is made up of two parts:Both cover another party when you’re at fault in an accident.
Bodily injury covers other drivers’ injuries. Property damage covers any damage to their vehicle or property.
If you’re nervous about causing an accident, try to carry the highest amount of coverage you can afford. While no one wants to get into an accident, it’s better to be prepared and protected. Having higher liability limits will cover damage you cause without having to pay out of pocket.”
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- Gregory R.
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