| I'm not familiar with how EU/UK differentiates "personal liability" from "3rd party liability" and what all that entails. The parent said: > $50 a month for liability ...so I presumed a resident of the US. US car insurance policies vary from state to state, so I'll just say how I understand it in layman IANAL terms. In my state, personal injury protection (PIP) and property damage liability (PDL or commonly just "liability") coverage are the minimum requirements to legally drive a vehicle. There's also bodily injury liability (BIL), but since my state is what's called a "no-fault state", it's not a hard requirement unless you're a taxi (although my coverage bakes it in; I understand this to be applicable towards passengers). The parent also said: > Pleasantly tolerable fee for a day where my car hits black ice and physics takes the wheel In this case, liability coverage as I understand it won't cover damage to the insured's vehicle while driving, which falls under "collision" and is entirely optional for a vehicle that is outright owned (i.e. no lien on the title) in any US state, as far as I'm aware. So PIP would cover your injuries, PDL would cover damages to the property of others, "collision" covers your property while driving, and this other thing called "comprehensive" covers your property when not driving...and if that doesn't cover all the medical/property bills, then involved parties are free to sue each other. |