About this service
Are you an insurance company?
No. LiabilityCar forwards requests to licensed agents and partners. It does not issue policies.
Is the request free?
Yes. Drivers pay no fee to send a liability request.
Who will contact me?
A licensed personal auto agent or partner may phone, text or email you, as your consent allows.
Can I get liability-only on a financed car?
Lenders usually require collision and comprehensive. Check your loan or lease agreement.
Will a lapse in coverage affect my quote?
It can. Many insurers consider continuous coverage when pricing a policy.
Do I need an SR-22 for a ticket?
Usually not for a single minor ticket. States require SR-22 filings after specific events. The state will tell you.
Does liability-only cover a rental car?
Your liability coverage often extends to a rental car you drive, but damage to the rental itself usually is not covered without collision coverage or a rental company waiver. Read your policy and the rental agreement.
Can I insure a car someone else owns?
Insurers generally want the owner and regular drivers on the policy. Explain the situation to the agent.
How do I stop messages?
Answer a text with STOP, ask the caller to stop, or complete the privacy page form.
Coverage questions
Is liability-only the same as minimum coverage?
Not exactly. Minimum coverage means the lowest limits your state allows. You can buy liability-only with higher limits.
Do limits apply per accident or per year?
Auto liability limits generally apply per accident, not per policy year.
How long do I need an SR-22?
It depends on the state and the reason. The state or court sets the period.
Can I add collision back later?
Usually yes, though the insurer may inspect the car before covering it again.