What is Liability Car Insurance?

Liability car insurance is a type of insurance that helps cover the costs of damage or injury that you cause to another person or their property in an accident. In South Africa, it is a legal requirement to have liability insurance before driving on public roads.

How Does Liability Car Insurance Work?

When you are at fault in an accident, your liability insurance will cover the costs of repairing the other party’s vehicle, as well as medical expenses for injuries sustained. This type of insurance does not cover any damage to your own vehicle.

Benefits of Liability Car Insurance

• Legal compliance in South Africa
• Financial protection against third-party claims
• Peace of mind while driving

FAQs

1. Is liability insurance compulsory in South Africa?

Yes, it is mandatory to have liability insurance in South Africa before driving on public roads.

2. What does liability insurance cover?

Liability insurance covers the costs of damage to another person’s property or injuries in an accident where you are at fault.

3. How much liability coverage do I need?

The minimum liability coverage required in South Africa is determined by the law, but it is recommended to have higher coverage limits for better protection.

4. Can liability insurance cover medical expenses?

Yes, liability insurance can cover medical expenses for injuries sustained by the other party in an accident.

5. Does liability insurance cover theft or vandalism?

No, liability insurance only covers damage or injuries caused to another person or their property in an accident.

6. How can I save money on liability insurance premiums?

You can save money on liability insurance by choosing a higher deductible, maintaining a good driving record, and comparing quotes from different insurance providers.

7. Can I add additional coverage to my liability insurance policy?

Yes, you can add comprehensive or collision coverage to your liability insurance policy for more comprehensive protection.

8. What happens if I don’t have liability insurance in South Africa?

Driving without liability insurance in South Africa is illegal and can result in fines, license suspension, or even imprisonment.

9. Do insurance providers offer discounts for liability insurance?

Some insurance providers in South Africa offer discounts for bundling policies, safe driving, or having anti-theft devices installed in your vehicle.

10. How can I file a liability insurance claim?

To file a liability insurance claim in South Africa, you will need to contact your insurance provider as soon as possible after an accident and provide all the necessary details and documentation.