Get Liability Coverage and Be a Responsible Driver
There is a reason why the law is very strict in imposing liability coverage among all drivers. Once you are behind that wheel and start your engine, you should carry at least the minimum liability limit mandated by your state. You should be a responsible driver to know what you need to know about liability coverage.
Liability coverage will cover the victim of the accident. Say you are the at fault party, your liability coverage such as bodily injury and property damage will not apply to you. But rather it will go to the third party involved. So why then carry liability coverage if you are not covered during the accident? Liability coverage is your liability and your obligation to the public. This will make you be more concern on how you drive and to be a more responsible driver.
There are other types of coverage that you may opt to have to cover you, your car and your passengers during vehicular accident. Mostly, these types of coverage are not mandatory at all but it is nice to have. Coverage like collision and comprehensive will cover your own vehicle.
If the policy holder fails to carry liability coverage, you may end up being penalized, paying high fines or even end up in jail. The law is very serious about this; better follow than be sorry in the end.
Getting just liability coverage is a good idea especially if you are on a fixed income. It is not the most expensive premium in your policy unlike with collision and comprehensive coverage. The best way to know which company offers you the cheapest premium is to shop around and start comparing insurance quotes. http://cheapestcarautoinsurance.net/coverage-types/liability-car-insurance-coverage/, this website is a very helpful tool for you to start shopping around. By entering your zip code, you have many results to choose from and in no time you can find what you are looking for.