Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 19, 2020

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Key takeaways...

  • Even the most safety-conscious drivers fall victim to car accidents on a regular basis
  • Simple rules of the road keep most of us out of danger when we’re driving around
  • Do extensive research to find the right company to get the liability coverage

A commonly asked question is “do I need car insurance?” Everyone needs car insurance to drive. Liability coverage is a very common form of insurance that everyone needs.

Read this article to find out the importance of liability coverage and how it can save you.

Enter your zip code above in our car insurance comparison tool and to protect yourself by getting the best car insurance quotes.

Driving is Dangerous

Liability car insurance is one of the most important aspects of driving an automobile. Driving is a dangerous activity in the best of circumstances.

Even the most safety-conscious drivers fall victim to car accidents on a regular basis.

When engaging in an activity involving high speeds and heavy metal, the tiniest of human errors is all it takes to create great havoc.

While many responsible drivers can be relatively certain that they are doing the right thing behind the wheel, there is no way to determine what other drivers on the road are up to.

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Staying Safe is Not Enough

Simple rules of the road keep most of us out of danger when we’re driving around. We make sure to keep our cell phones switched off, check our mirrors regularly.

Never drive under the influence of drugs and alcohol.

However, we have no control over what the other drivers are doing, making it literally impossible to guarantee that we won’t get into a crash.

Fender benders are usually no big deal, but if an accident occurs while traveling at speeds upwards of sixty miles per hour, the end result is often hospitalization or even death.

Other Drivers

In a perfect world, every driver on the highway would be safe, considerate, and doing their best to ensure the well being of others.

Since this is not the case, we must drive defensively, carefully avoiding areas of traffic that look like trouble and always on the lookout for an accident waiting to happen.

Be aware of our surroundings and never talk on the phone while driving.

Even if all drivers involved are doing what they are supposed to be doing, unknowable factors like strange weather or machine malfunction may dash our best intentions and change our lives for the worse forever.

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Liability Insurance is a Must

If you drive a car without liability insurance, you are asking for a world of trouble.

This is one of the many types of auto insurance coverage that represents the bare minimum for a driver, as it protects you from any damages you accidentally inflict upon someone else.

For example, if you are distracted enough to miss a stop sign and crash into another car, you are legally responsible for the damage to the other car and its driver.

Since automobiles and hospital bills are insanely expensive, that one missed stop sign can put you and your entire family into crippling debt for the rest of your lives.

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Insurance is the Law

Actually, choosing not to buy liability insurance isn’t really even an option.

Most states require it, and failure to abide by this rule can easily result in the loss of your driving license.

It’s against the law to operate any type of vehicle with at least the state’s minimum. If you’re unsure of what that minimum is, you can always check with the DMV or state department where you reside.

A Normal Part of Owning a Car

Thankfully, purchasing liability insurance isn’t that big of a deal, and it’s usually not all that expensive either.

You’ll want to make sure that you have both Bodily Injury liability insurance and Property Damage liability insurance.

Once you have these two things under your belt, you will be protected against exorbitant hospital bills, funeral services, and any destruction caused to property.

Compare Companies for the Best Prices

Just because you need liability insurance doesn’t mean you need to pay a lot of money for it.

The best thing to do is visit a website that compares the prices of insurance companies in your area.

Professional insurance agents will walk you through the process of your purchase either in person or on the telephone, and you’ll be on the road in no time.

You may want to consider more than the minimum amount of insurance, as the higher amounts tend to make the usual healing process after an accident go smoother.

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Do Unto Others

Sadly, there are many people out there who think they can slip past the system and avoid purchasing any form of liability insurance.

Before you become one of those people, think about what would happen if someone without liability insurance crashed into you.

Sure, they would get in trouble with the law, and you would probably be able to sue them successfully for the amount of incurred damages.

Chances are, the person skipped insurance due to money issues, and they almost certainly will never have the money to pay you, no matter how much trouble they get in for it.

You would never want anything like that to happen to you, so please don’t put anyone else through it. Enter your zip code below get car insurance quotes for FREE and compare car insurance providers.


  1. https://www.nationwide.com/auto-liability-insurance.jsp
  2. https://www.libertymutual.com/auto/car-insurance-coverage/bodily-injury-liability
  3. https://www.allstate.com/tools-and-resources/car-insurance/property-damage-liability-insurance.aspx
  4. https://www.nationwide.com/liability-coverage-definition.jsp
  5. https://www.geico.com/professional-liability-insurance/