When talking about driver liability insurance, it means a policy that protects the policy holder against any claims of negligence, bodily injury, property damage and personal injury Liability insurance pays on behalf of the insured for certain types of injury to other
All states require some form of driver liability insurance for those who drive In every state, they have different requirements when talking about liability but some state requires having liability car insurance since every state has financial responsibility laws which require every individual to have sufficient assets to pay for any liability one must cause in an incident and this is for every individual good Other state will not allow you to register your car without any insurance policy as proof that you have liability insurance while some state will only ask proof of liability auto insurance when driver's has an accident But most of the state requires driver to have liability insurance since accident may occur any time unexpectedly The law requires minimum purchase of liability auto insurance but it's up to you if you think you can afford to have the full coverage, then the better
If you seldom drive a car, you can have the least sufficient liability If ever you don't own a car and just renting or borrowing car to drive, then have the non-owner car coverage which provide the mandated liability insurance on the driver's name and financially protects and cover you in the event of bodily injury liability coverage, property damage liability coverage, uninsured or underinsured motorist protection, medical payments coverage and legal fees where it is applicable No matter how good driver you are, but still accident comes since it's not in your control So better to play safe and buy driver liability insurance As a driver, having driver liability car insurance is reasonable enough to have peace of mind
In some states, drivers are required to carry their liability car insurance in order to drive a motor vehicle or car although there are still many people who drive car without any insurance coverage which is risky Business vehicles, buses and personal cars for sure had their vehicles insured as well as the driver for liability car insurance If you find your car as part of your life, then how much more the person who drive the car Some business vehicles had their vehicles insured and let the driver get their own driver liability insurance Some company or business vehicles authorized one or two person to drive their company car and if some of your employees want to drive the company car, you should tell the employees the term and condition in using the company's car
Your agreement with the employee must be specifically outline the rules for the company car Many drivers don't want to purchase drivers liability car insurance because for them it is expensive If you are determine to have driver liability insurance, and then you have to shop around for the cheapest liability auto insurance since the law did not required you to purchase the expensive liability insurance Just to have peace of mind and to play safety since accident can come anytime without your knowledge
