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When Should I Get Liability Only Car Insurance

When you’re driving, you always want to make sure you have the best possible legal protection. That’s why it’s so important to know when you should get liability only car insurance. Liability only car insurance is perfect for those who don’t want to cover personal property or Bodily Injury Liability. This type of coverage is perfect for people who know they will never be at fault in an accident. If you’re unsure whether liability only car insurance is right for you, consult with a specialist like us at InsureTheBox.com. We can help you figure out which level of coverage is right for your needs.

What is Liability Only Car Insurance?

There are a few things to consider before purchasing liability only car insurance. The main consideration is your state’s laws, as liability only car insurance varies from state to state. Some states require liability only car insurance as a part of your vehicle insurance policy, while others allow you to purchase the coverage on your own.

Another factor to consider is how much you’re willing to spend on car insurance. A higher deductible may be worth it if you know you’ll never be held liable for an accident. Finally, consider the type of car you drive and whether or not you have any claims history. If you do have a history of accidents, getting liability only car insurance may be a good idea.

The Different Types of Liability Only Car Insurance

If you have a minor in the car with you, you are generally responsible for any damages that occur. If someone is injured in an accident because of your negligence, they can sue you and may win a judgement against you.

If you have a passenger under the age of 18 in your car, their parents or legal guardians are generally responsible for their safety. This means that if they get injured in an accident due to your negligence, their parents or legal guardians can sue you and may win a judgement against you.

If you are driving without liability insurance, your state will impose additional penalties on you. These penalties can include fines, license suspension, and imprisonment.

How to Shop for Liability Only Car Insurance

If you have a safe driving record and don’t drive expensive cars, you may not need liability only car insurance. But if you have a record of accidents, or if you drive a high-risk vehicle, liability only may be the best option for you.

To find out if you need liability only car insurance, ask your agent about your personal risk factors. Also, take into account how much money you can afford to pay in damages in case of an accident. Finally, compare rates and policies from different companies to find the best deal for you.


When should you get liability only car insurance? The answer to this question is different for everyone, so it’s important to weigh all the pros and cons of getting liability only car insurance before making a decision. Some key factors to consider include your age, driving record, and credit score. After taking these into account, you can decide whether or not liability only car insurance is right for you.

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