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Hello There!  I am intrigued by your illustration here and I thought all this time that Car Liability Insurance is only for damaged property. My son is the one driving our car and he is only 20. I am glad I saw this information so I can add a higher limit to his insurance. I have to call his insurance company and get a higher coverage. I understand now that there are 3 limits and it includes bodily injury. Wow! That is such a relief! My son usually goes to parties and sometimes has a couple of beers when he is out with friends and that worries me so much. I think I have learned more about his insurance now. I have talked to an agent earlier and I discovered he has very low coverage. I don�t think it is enough or him. He is too young and really isn�t that responsible yet. I would not want to end up paying or all his damages when the time comes.

He is also rather accident prone so I hope he will be a little bit more careful with his driving. He has 25/50/25 coverage now and I think I will increase it to 100 /50/100. I don�t mind spending a little bit more so I will be at peace when I sleep at night and he still isn�t home from partying.

I know I still treat him like a baby but he will be 21 years old next year and I hope he will learn more responsibility on the road. I know that if ever he will meet an accident, he will really be at fault. More often than not, he texts or calls while driving. His girlfriend doesn�t help also. She also is a party girl. I hope she will be a good influence and ask him not to text while driving or drive when a couple of beers have. It is better safe than sorry. Thanks for the very useful information guys!


Infographic by LiabilityInsurance.Org