Everybody knows that when it comes to insurance, there are many types available.  Car liability insurance is the insurance that pays out when a person claims off you for any damage to property or body incurred by an accident with you.  You are required by law to have at least car liability insurance to drive a vehicle.  Different locations have different minimum liability insurance requirements.

There is an insurance called the bodily injury liability insurance which is in place to cover you should you cause injury to a third party in an accident.  This car liability insurance also covers you and your listed family members when you are driving another person’s car with their permission.  But you can buy more than just this type of insurance.  Most people to in fact chose to buy more insurance and this is due to the fact that they may be sued if they cause an accident.  In situations like that you want all the cover you can get.

You would also have to avail of property damage liability insurance.  This insurance will cover any property damage caused by an accident of your doing.  That includes all sorts of things, from other cars and buildings, to lamp posts and road signs.

Car liability insurance is contrasted by comprehensive insurance, which covers much more.  Compared to car liability insurance comprehensive packages include covering the cost of the car if it is stolen or damaged by a fire, hail, vandalism, or anything other than a car collision.  Comprehensive insurance is, naturally, more expensive.