Liability coverage for auto insurance is a standard part of a policy. This type of protection is required by law in most parts of the United States. It covers the policyholder against claims made by the occupants of the other vehicle in an at-fault accident and pays for medical bills, rehabilitation expenses and lost income due to the accident.
A person who is caught driving without liability insurance will be facing criminal charges. The penalty can include license and registration suspension, as well as having to pay a fine. The other consequence of not having liability insurance is that the driver is responsible for paying for the damages he or she caused personally.
Medical bills and other expenses stemming from an accident can add up very quickly, and the at-fault driver who does not have insurance will be faced with having to sell off his or her assets to pay the claim. No one wants to think about having to sell his or her house or car and cash in any investments to pay for this type of expense.
Getting a good liability policy is a much better choice. The more assets the driver has to protect, the higher the policy limit for liability coverage should be. The money spent on premiums may not be something the driver looks forward to paying each month, but it is money well spent if an accident were to occur.