Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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 21, 2020

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Key takeaways...

  • Internet comparison sites are probably the best way to find the right public liability car insurance policy
  • Public liability car insurance is mandatory by law
  • It is illegal to drive without the proper level of insurance

Public liability car insurance is insurance guarantees a member of the public will be able to receive damages in case the insurance holder becomes liable for financial damages in some fashion.

Thus, public liability insurance is insurance against liabilities in a public-facing sense; i.e., that the insurance holder might become liable to pay damages to a member of the public.

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Table of Contents

Why do I need public liability car insurance?

Without some form of Public Liability Car Insurance, it will be impossible to register your car and therefore it will be illegal to drive.

Different states have different laws and different minimum liability car insurance amounts.

Thus, Public Liability Car Insurance is mandatory and the insurance holder guarantees that you will have the ability to be responsible for valid claims against you.

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Who does public liability car insurance cover?

Public liability car insurance insures you against claims by members of the public.

If an incident or event causes damages to your car or your person, the public liability segment of your car insurance policy will almost certainly not cover it.

However, if the incident or event involves another party, such as a driver or an agency, then their public liability insurance policy will protect them against claims by you — their insurance policy will guarantee their ability to pay as well.

How can I find the right public liability car insurance policy?

Internet comparison sites are probably the best way to find the right public liability car insurance policy.

A comparison site should show the amount the customer can expect to pay each month, the maximum amount of coverage the policy provides, and the deductible.

We have a list of the 3 most recommended liability car insurance companies.

Car Insurance Policy Differences by State

It’s very important to make sure that you enter the correct information about where you live, especially your state.

Different states have different policies about how much insurance coverage is required by law.

State laws can also determine the maximum amount of the deductible paid by the customer.

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More On Comparison Sites

Another advantage of comparison sites is that they can provide end-user reviews of insurance companies.

There is a huge variation with regard to the quality of insurance customer service and other services provided by the insurer.

For example, some insurance providers offer free roadside assistance, towing, or other emergency services to their customers.

Comparison sites can tell you which insurance policy is the best one for you and how their customer service and other benefits or offers stack up against the competition.

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How to Choose an Insurer

The following should be considered when choosing a Public Liability Car Insurance policy:

  • How much can I afford to pay each month?
  • How much coverage am I required to have by law?
  • How many vehicles will be insured?
  • What kind of insurance am I getting?
  • Personal
  • Corporate/Business
  • Other (deliveries, trucking)

The Insurance Agent’s Role

An insurance agent may be able to find the best insurance policy for you, but they can also be the wrong choice.

They are the most knowledgeable and experienced people to ask, but it’s not always a good idea to buy through them because they have a vested interest in selling to you.

They may be looking out for themselves, not you.

Make sure any insurance agent you use has your best interests at heart.

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More on Insurance Agents

Insurance agents make a commission, so they may try to sell you substandard products or oversell you to increase their commission, which goes up with every dollar you spend.

Therefore, an insurance agent might try to get you to purchase a basic insurance policy.

Online comparison sites can provide a detailed and balanced estimate of how much a certain insurance policy will cost.

Many insurance agents only represent one insurance company, so it may be impossible to get a reasonable comparison from them.

Your Insurance Documentation

An advantage of online comparison shopping for insurance is that as soon as you’ve decided which insurance policy you want, you can immediately purchase and print your insurance information.

Eventually, the company will send you traditional insurance paperwork in the mail, but as long as the printed page included the insurance number and/or other necessary guarantee paperwork, you’re insured.

As soon as you press the “print” button and put the insurance papers in your glove box, you’re ready to get out onto the road and drive!

Car Insurance Claims

If an accident or incident occurs, make sure you contact your insurance company immediately.

Make note of the time the incident occurred, the location of its occurrence, and the other party or parties involved.

If you can, make sure you obtain the license plate, car make/model, or other relevant information about the event. This will speed your claim considerably.

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Conclusion: Public Liability Car Insurance

Public Liability Car Insurance makes certain that everyone has the opportunity to collect money if they’re hurt by the negligence or other bad acts of drivers.

It is illegal to drive without the proper level of insurance, so even if you have insurance already you may not be able to get on the road. Remember: always buckle your seat belt!

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References:

  1. https://www.allstate.com/tools-and-resources/car-insurance/liability-car-insurance-cover.aspx
  2. https://www.progressive.com/auto/insurance-deductibles/
  3. https://www.iii.org/article/what-covered-basic-auto-insurance-policy
  4. https://www.thebalance.com/pros-and-cons-of-online-car-insurance-527046
  5. https://www.esurance.com/info/car/how-accidents-affect-your-car-insurance-rate