Automobile Liability insurance, YES. Liability insurance, NO. There are many kinds of liability insurance.
You will need the basic liability insurance. This means that you will be covered for the other person's car if you are in fact responsible for the accident.
You can purchase car liability insurance from the same company you get your regular car insurance from. If you are a new car insurance customer, ask your agent to add liability insurance to your plan.
The cheapest car insurance in New Mexico is liability only car insurance. This insurance can cost as little as $60 a month.
When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary. Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).
It sorta makes sense that you would own a car. If you do not own a car why would you want liability insurance?
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Liability coverage is usually much cheaper than a full coverage policy. However, the final price will depend on your driving record and year of the car.
Liability insurance is an especially important type of car insurance because it covers damages that are your (the driver) fault.
what is average amount of liability insurance for cars in new york
The personal liability portion of your car insurance is for damage you may cause to others. The collision portion of your car insurance is for your vehicle. If your vehicle is very old, with lots of miles and is not worth much, you may consider not getting it.