If you’re in an auto accident, you may have many questions. Questions like: who will pay for my injuries? Or the damage to my car? The answer can depend on who is at fault and whether you or the other driver has insurance. It helps to know about the two major types of automobile insurance so that if you are in an accident, you are familiar with the next steps.
Liability insurance means that if the accident was your fault, your insurer will pay the other driver for property damage and injuries up to the policy limit. If the other driver is at fault and has insurance, the other driver’s liability insurance will pay for damage to your car and personal injuries up to the policy limits of the other driver’s policy.