Personal auto insurance can be quite confusing. It's really several different kinds of insurance rolled into one car insurance policy.

Liability is one of the most important car insurance coverages you can buy.

Generally speaking, if you are found liable in a court of law for injuries or damages sustained by other people, your liability car insurance pays your defense costs and judgments against you... but only for covered auto insurance claims up to the limits you've purchased.

With personal auto insurance there are two primary liability coverages.

• Bodily injury (BI) liability protects you when your actions physically injure someone else.
• Property damage (PD) liability protects you when your actions damage property that does not belong to you.

Take some sound advice. Do not skimp on your liability car insurance protection to save a few bucks. Our country is lawsuit-crazed. It's very easy to get distracted behind the wheel and cause an accident. If people are badly hurt, they'll be coming after you - and if your insurance is lacking, they can get your personal assets.

Plus, everything costs more these days. You may be sitting on old, outdated auto insurance coverage limits that aren't going to protect you or your vehicle properly anymore. Give us a call to make sure you're confident in the protection you've purchased.