Just wanted to drop a quick breakdown for anyone trying to understand what liability car insurance actually covers—especially if you’re driving around Pittsburgh and only carrying the state minimum.

A lot of people assume liability means full protection, but that’s not the case. Liability insurance mainly covers the damage you cause to others—not your own car.

Here’s how it breaks down:

Bodily Injury (Per Person)
This pays for medical expenses if you injure someone in an accident. For example, if you hit a driver and they need a hospital visit or physical therapy, your insurance covers them—up to your policy limit (say, $50,000 per person).

Bodily Injury (Per Accident)
If multiple people are hurt in a single crash, this kicks in. Say three people are injured and your policy covers $100,000 per accident—that amount is split among all injured parties.

Property Damage Liability
This pays to repair someone else’s car, a fence, mailbox, storefront, etc., if you damage their property. Most policies start around $25,000, but with how expensive repairs can be these days, it’s easy to hit that cap fast.

So yeah, liability insurance is legally required in PA, but it only covers the other side. If you want protection for your car and medical bills, you’ll need more than just liability (like collision or comprehensive).

If you’re still unsure what your policy includes—or if you’re shopping around for something better—I found this page helpful for breaking it down:
What does liability car insurance cover?

Hope this helps anyone new to car insurance or trying to figure out if they have enough coverage. Ask questions if you’ve got ’em—happy to share what I’ve learned.