Liability car insurance is required by state law, and the minimums vary depending on where you live

State Minimum Car Insurance

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If you’re involved in an accident, liability insurance covers any damage you cause to the other vehicle, driver, and its passengers. Liability car insurance is required by state law, but the exact coverage requirements and minimums vary by state.

Types of liability insurance

The two main components of liability insurance are bodily injury and property damage, which most states require. Liability insurance also includes uninsured motorist and underinsured motorist.

Uninsured motorists have no insurance, but underinsured motorists have some insurance but not enough to cover damages. Some states require both uninsured and underinsured coverage. 

Types of liability coverage
Definition

Bodily injury (BI)
Injury you cause to others, includes medical expenses, lost wages, and funeral expenses

Property damage (PD)
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Source:: Businessinsider

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