| Auto Insurance New Drivers

Almost every U.S. state requires that drivers buy a type of car insurance called, “liability insurance,” but what is it? Think about it this way: When you’re liable for something, you’re legally responsible for it. It’s sort of like the shopkeeper expression: “You break it, you buy it.” However, in the world of car insurance, if you cause a car accident, then you’re legally obligated to pay for the other driver’s medical expenses and property damage. Liability insurance is what could help you pay for these costs and prevent you from getting penalized for driving uninsured.

Note: Car insurance requirements, or minimum limits, vary in each state. To help pay for damages to your own car, look at other coverages like comprehensive and collision.

Still confused? You’re not alone! For a good laugh, watch this video of kids trying to explain liability insurance. Then, call, click, or come in to talk with an experienced agent about liability coverage — or any other insurance needs!