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

The difference between liability insurance and personal injury insurance in Indiana is significant. Liability insurance protects you from being held financially responsible for another person’s injury or property damage that you are deemed to be at fault for. This includes payment of court-ordered judgments, as well as the cost of the legal defense. Personal injury insurance, on the other hand, covers the medical expenses, lost wages, and other costs associated with an injury that you personally sustain, regardless of fault. In general, liability insurance is required by law in most states, including Indiana. This is usually provided through your auto insurance policy. Personal injury insurance, however, is not required, but it is usually included in a comprehensive or extra coverage plan, or can be purchased separately. Liability insurance pays out for damages you are legally responsible for. However, it will not cover your own medical expenses or any damages you owe. That is the purpose of personal injury insurance. It also covers you if you are sued for damages due to injuries or property damage to another person for which you are responsible. In summary, liability insurance covers damages for which you are legally liable for another person or property, while personal injury insurance covers your own medical expenses or damages you owe due to your own injuries.

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

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