What does the liability coverage in car insurance primarily help with?

Liability coverage in car insurance is designed to financially protect you when you are responsible for damages or injuries caused to others in an accident. This means that if you are deemed at fault in a collision, liability insurance will cover the costs of repairs to the other party's vehicle as well as medical expenses for anyone injured as a result of the accident. This type of coverage is crucial because it helps prevent you from facing substantial out-of-pocket expenses that could arise from legal claims or lawsuits due to the injury or damages caused by your actions.

This coverage typically includes both bodily injury liability and property damage liability. Bodily injury liability addresses expenses related to medical care, lost wages, and pain and suffering for individuals who are injured, while property damage liability covers the cost of repairs to damaged property belonging to others. By having this coverage, you are fulfilling a legal requirement in most states and ensuring that you have a safety net for potentially high costs resulting from driving incidents.