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Auto Insurance

Why All Drivers Should Have Liability Insurance

Liability insurance is the bare minimum requirement for auto insurance in most states. If you’re a safe driver or someone who doesn’t drive often, you may wonder why you need this type of insurance. Unfortunately, accidents can happen to anyone. Even a momentary distraction while driving can lead to an at-fault accident, which is what liability insurance generally covers. Here’s why this type of insurance is essential for every driver. 

 

Financial Protection

Liability insurance, simply put, keeps you financially protected in the event of an at-fault accident. The costs associated with a car accident can be astronomical, and with auto insurance, you’re required to pay up to a certain amount. Whether the costs come from medical expenses or property damage, liability insurance will help ensure that you can cover them. 

 

Legal Protection 

Many states require liability insurance for anyone who drives. If you don’t have insurance and get into an at-fault accident, you won’t just find yourself in financial trouble. Unless you’re able to pay for all the costs resulting from the accident out of pocket, you can also find yourself in legal trouble. Not having insurance can lead to fines and other penalties, as well as the obligation to pay out-of-pocket for all damages. If you are sued, liability protection may be able to help with your legal expenses.

 

Peace of Mind

Car accidents are stressful. Severe accidents can be some of the most stressful events in our lives. Liability insurance can provide peace of mind when you’re facing a car accident. If you realize you’re at fault, you may be overcome with guilt and have trouble advocating for yourself. It helps to know that you have your insurance company in your corner. 

 

Other Benefits of Liability Insurance

Liability insurance doesn’t just cover those who aren’t at fault in car accidents. Along with helping repair the other person’s vehicle, your insurance can help you with the costs of getting your own car repaired. It can also help you in the event that you’re in an accident with an uninsured driver, which benefits you even if you’re in a hit-and-run accident.  

 

If you’re shopping for insurance and even basic liability coverage seems out of reach, Nsure can help by comparing rates from over 50 top-rated auto insurance carriers in less than 5 minutes. Download our app today, and find the best policy for your coverage needs.  

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