What Is Liability Only Or One-Way Auto Insurance?

Liability only coverage, also known as liability insurance, is a type of car insurance that covers damages or injuries that you may cause to others while driving. It does not cover damages to your own vehicle.

Liability only coverage typically includes two types of coverage: bodily injury liability coverage and property damage liability coverage.

Bodily injury liability coverage helps pay for medical expenses and lost wages for the other party if you are found to be at fault in an accident and the other party is injured.

Property damage liability coverage helps pay for damages to the other party's property if you are found to be at fault in an accident and their property is damaged.

Liability only coverage is typically required by law in most states, and it is generally the minimum level of coverage that drivers are required to carry. However, it does not cover damages to your own vehicle, and you may want to consider adding additional coverage, such as collision or comprehensive coverage, to protect your own vehicle.

Overall, liability only coverage is a type of car insurance that covers damages or injuries that you may cause to others while driving, but it does not cover damages to your own vehicle.