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Auto insurance coverages fall into some broad categories. They are, in general, Medical Payments, Collision, Comprehensive, Liability (Bodily Injury and Property Damage), Uninsured/Underinsured Motorist, Rental Car, and, if you live in a no-fault state, Personal Injury Protection (PIP).

BODILY INJURY LIABILTY INSURANCE. All states require bodily injury liability insurance, except for Florida (a no-fault state) and New Hampshire. As of June 1, 2010, Wisconsin now also requires bodily injury liability insurance.

PROPERTY DAMAGE LIABILITY INSURANCE. Property damage liability coverage addresses the costs of damages to the other driver's vehicle or property should you be involved and found at-fault for an auto accident. Commonly, property damage liability insurance also covers the damage caused by other authorized drivers of your vehicle. Currently, all states require property damage liability insurance.

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Q: What two states that do not require liability insurance?
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Is liability car insurance required for all vehicles in all states?

New Hampshire and Wisconsin are the only two states in the US that do not require that you have some type of liability insurance. However, this doesn't mean that you don't have to pay if you are in an auto accident. Yes it is. Every state in the union has as least some liability insurance requirement. Here's a list: http://personalinsure.about.com/cs/vehicleratings/a/blautominimum.htm (scroll down a bit).


What are two types of car liability insurance?

Bodily injury liability and property damage liability.


What are the two type of coverage provided by a homeowners insurance policy?

Property and Liability


What coverage is provided when purchasing standard car insurance?

Coverage that is provided when purchasing standard car insurance are liability coverage and the legal right to drive. There are two liability coverages: bodily injury and property damage liability.


How General Insurance Can Protect You?

"General insurance" is the umbrella term used by the insurance industry to describe all policies other than life insurance policies. This includes various types of insurance for individuals as well business policies. The two most common types of general insurance for individuals are automobile insurance and homeowners insurance, both of which can include property and casualty coverage. The two most common types of general insurance available for businesses are commercial auto liability and commercial general liability. Other commercial general insurance products include premise liability, professional liability, product liability and operations liability. An increasingly popular commercial product is business interruption insurance that provides the business owner with income should a disaster fall that is covered by other parts of his or her policy.


What are the main rules used by contractors general liability insurance?

Contractors general liability insurance is based on one of two things, total receipts or payroll and cost of subcontractors. Contractors general liability insurance covers a company if their employees get hurt on the job or cause damage to a property while working.


Your car was stolen with only liability insurance will the insurance pay?

No,, Liability insurance is the minimum financial responsibility requirement in most states. Liability only is the cheapest way to go on your premiums but it only covers damage we do to another person or vehicle.In order to cover a stolen vehicle you would have needed to purchase comprehensive coverage on your vehicle policy.


Which companies offer cheap liability car insurance?

Companies that offer cheap liability car insurance are Nationwide and GEICO. There are lots of other good brands out there but these are among two of the most trustworthy and award winning car insurance companies in the market.


How is general liability insurance different from public liability insurance?

Technically, there is no difference between the two, besides the fact that many of the public and product liability risks are often covered together under a general liability policy. These risks may include bodily injury or property damage caused by direct or indirect actions of the insured. You can read more about public liability insurance on the Bizcover website in related links


What type of liability insurance do you need for childrens birthday parties?

If the parties are small events at your home then your homeowners insurance should be sufficent to cover any liability concerns. If it is some big event you can purchase special event coverage to provide liability insurance for the event. These are suprisingly inexpensive for one or two day events.


Which companies offer the most comprehensive employers liability insurance for small firms?

The insurance market is full of employers liability insurance providers. To save time, consider using two or more comparison engines to compare the various insurances offered side by side.


What are the two major duties that liability insurance for small business provides?

The first major duty that liability insurance for small business provides is to defend the small business when it is, for example, sued by another party. The second duty for liability insurance for small business is to pay all claims the insurer is liable for as well as to settle any clear cut cases submitted to insurer immediately.