What is Car Liability Insurance?
If the you or the police determine that a car accident is your fault, liability insurance covers the cost of repairing damage to other person’s property damaged in the accident (such as cars or buildings) and also any medical bills from any injuries or other direct expenses. Although Pennsylvania and Maryland have minimum requirements for liability insurance, the State minimum may not be enough coverage to fully pay for damages to cars and property nor medical bills in the event of a serious crash.
State Minimum Liability Insurance May Not Be Enough
If you can afford the cost, going beyond the State minimum is usually a good idea. You are personally responsible for accident claims that exceed your auto insurance coverage. Your wages or personal assets could be brought to bear to pay the claim. The more assets that you have, the higher the liability insurance you should have for your car insurance, just in case of a catastrophe.
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