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What is liability insurance coverage?
Property Damage liability covers damages you cause to someone else’s property. The damaged property is often a vehicle, but not always. (If you drive your car into the side of someone’s barn, Property Damage liability coverage would pay to have the barn wall fixed.)
If you’re interested in saving money with pay-per-mile liability coverage, you’ll be happy to know that it works just the same as standard liability auto insurance. With Metromile, you’ll get the same liability coverage you’d get from any quality insurer (but you’ll likely pay less for it!).
What does liability insurance car insurance cover and what isn’t covered?
How much is liability insurance?
What you’ll pay for your liability coverage is based on a lot of factors, including where you are in the country, your driving safety record, and how much coverage you purchase. Higher coverage limits are more expensive, of course, but they also offer more protection.
And there’s good news, too. You could pay a lot less for your liability coverage when you switch to pay-per-mile car insurance. In fact, you could pay as little as 6 cents per mile for your car insurance with liability coverage with Metromile (plus a low monthly rate starting at only $29 per month).
Pay less when you drive less. It’s a common sense approach that saves Metromile customers an average of $741* per year.
How does liability coverage work?
You accidentally rear-end the SUV in front of you, denting the bumper and rear hatch and causing $3,500 worth of damage.
The driver of the SUV files a liability claim with your insurance company.
After your insurer reviews the case, the other driver gets a payout to repair the vehicle (or your insurance company will pay the shop directly).
Liability car insurance coverage FAQs
Can you have liability insurance on a financed car?
Does liability cover my car if someone hits me?
Liability insurance coverage comes into play when you cause an incident. So if someone else runs into your car and is deemed at-fault, your liability insurance won’t cover the incident. Instead, their liability insurance should pay for your damages.
(Keep in mind that many people drive illegally without liability insurance. If you want to make sure you’re protected—even if the other driver doesn’t have insurance—be sure to get collision coverage as well as Uninsured & Underinsured Motorist coverages.)
Is liability insurance required?
Yes. Liability coverage is a legal requirement in almost every state, and you need proof of an active policy every time you drive. (You could face fines and jail time if you’re caught driving without liability insurance.)
See what customers are saying about Metromile
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