Tort insurance is a broad system of auto insurance that allows drivers to recover damages from other parties at fault in an accident. A tort system puts a greater emphasis on liability insurance to ...

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Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...

Liability-only insurance pays for injury and damage to others you're responsible for. In comparison, full-coverage policies cover both your liability and property damage to your own vehicle. When ...