This coverage typically pays if another person's property is damaged when you're legally at fault in an accident.
Here are a few examples of the types of bills you might have to pay if you damage another driver's property:
- Structural damage to homes, storefronts, etc.
- Repair or replacement costs for other stationary objects, such as a fence
- Vehicle repair or replacement costs
If you are responsible and you don't have auto liability insurance, you could be forced to pay out of your own pocket or dip into assets like your house, bank accounts or retirement fund.
Depending on your situation, you could need the state minimum, or you could need nearly half a million dollars in coverage. It really all depends on your assets, your family and how much risk you're willing to take.
If you want help deciding what your limit should be, try Bumper-to-Bumper Basics®.
The good news is, it's relatively inexpensive compared to some of the other coverages on your auto policy (where available). Even though you're getting hundreds of thousands of dollars in coverage, you'll probably be paying tens of dollars every six months for this powerful protection.
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