Liability insurance protects you and other members of your household, including your pets, from accidental bodily injury or property damage for which you are held liable.
That means that if you, a family member or pet is responsible for injury or damage, liability insurance pays for those damages.
Liability insurance does not protect you and your household members from accidents or damage that you sustain. The property damage component of your policy, your health insurance or another party's liability insurance may provide coverage for those kinds of mishaps.
Liability insurance also includes no-fault medical insurance. Like no-fault auto insurance, this coverage allows the injured parties to submit claims for medical expenses without first having to prove which side was at fault.
This information contains only a general description of coverages and is not a contract. Details of coverage or limits vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements