This means your car insurance policy only covers liability damages and may not cover collisions. (travelinsurancereview.net)
Physical liability damage will pay for the medical expenses and any other costs like legal expenses resulting from a guest incurring a serious injury while they are at your home. (rentersinsurance.net)
However, if the accident resulted in serious injuries or medical expenses over a certain amount, the injured party can seek liability damages from another party in a legal action. (mhsattorneys.com)