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Liability-Only Coverage After License Reinstatement

Liability-only coverage pays for damage and injuries you cause to others, but never covers your own vehicle or medical bills.

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What Is Liability-Only Coverage Insurance?

Liability-only coverage includes bodily injury liability and property damage liability. Bodily injury pays medical bills, lost wages, and legal costs when you injure someone in an at-fault accident. Property damage pays to repair or replace the other driver's vehicle and any property you damage. Neither component covers your own vehicle, your own injuries, or damage you cause to your own property.

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Who Needs Liability-Only Coverage Insurance?

Reinstated drivers who own their vehicle outright and can afford to replace it out-of-pocket if totaled. Drivers setting up non-owner SR-22 policies after losing a vehicle during suspension.

Calculate your vehicle's current value and compare it to the annual cost difference between liability-only and full coverage.

Related Coverage Types

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Non-Standard Auto Insurance→

A dark metal mailbox on a post with a white envelope protruding from its closed door, standing beside shrubs in front of a concrete driveway where a dark SUV is parked near a house at dusk.

Non-Owner SR-22→

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Standard Auto Coverage Post-Filing→

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High-Risk Auto Insurance→

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