What is the difference between liability insurance and personal injury insurance?

Liability insurance and personal injury insurance are both types of insurance coverage, but they are very different. Liability insurance protects against the financial costs of being held liable for an accidental injury or damage a person causes to another person or their property. In Idaho, it is required for drivers to have at least the minimum liability coverage to be legally able to drive. Personal injury insurance, on the other hand, provides coverage for medical expenses related to injuries, loss of wages, and even pain and suffering resulting from an accident or other incident. It provides protection for the policyholder upon injury, regardless of who is at fault. In Idaho, this type of insurance is not mandatory, but is highly recommended, as it can help protect an individual or their family from large medical bills in the event of an accident or injury. In summary, liability insurance helps protect people from the financial consequences of being held liable for an accidental injury or damage, while personal injury insurance helps protect individuals and their families from large medical bills resulting from an accident or injury. Both types of insurance coverage provide important protection, and it is important to understand the differences between them when considering insurance options.

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What is the difference between liability insurance and personal injury insurance?

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