Editor
Marcus Bell
Marcus Bell is the editor of Liability Only Car Insurance. He spent nine years in auto liability claims, the last four handling litigated bodily injury files, and saw repeatedly what happens when a driver's limits run out before the claim does.
He started this site in 2022 to explain the one coverage decision that matters most—liability limits—and the one that people most often get backwards, which is cutting liability rather than collision to save money. He writes the coverage, limits and decision guides and reviews every page annually.
Marcus lives in Kansas City, Missouri.
- Based in Kansas City, Missouri
- Covering auto insurance since 2013
- Focus areas: auto liability claims, bodily injury litigation, coverage limits, policy language
- Education: University of Missouri–Kansas City (B.A., Political Science)
Guides
Guide
What Liability-Only Car Insurance Covers
Exactly what a liability-only policy pays for—bodily injury and property damage to others—and the list of things it never covers, including your own car.
Guide
When Liability-Only Car Insurance Makes Sense
A practical test for choosing liability-only: car value, savings, loan status and risk tolerance—and the situations where it is a mistake.
Guide
What Liability Limits to Choose
How to pick bodily injury and property damage limits: the state minimum vs 50/100/50 vs 100/300/100, what each protects, what each costs, and when an umbrella policy makes sense.
Guide
When to Drop Full Coverage and Go Liability-Only
The signals that it is time to drop collision and comprehensive: car value, premium share, deductible, savings, loan payoff, and how to make the change without a gap.
Entries
Entry
Comprehensive-Only Coverage: The Middle Option
Why keeping comprehensive while dropping collision is often the best choice for a mid-value car, what it costs, and when it applies.
Entry
What Happens When an Auto Accident Exceeds Your Liability Limits?
Learn what happens when crash damages exceed your liability insurance limits, how personal liability works, and how to evaluate coverage options.
Entry
The 10 Percent Rule: When to Drop Full Coverage for Liability-Only
Use the 10 percent rule to calculate whether dropping collision and comprehensive coverage for liability-only car insurance makes financial sense.
Entry
Liability-Only Car Insurance for Teen Drivers: When Does It Make Sense?
Evaluate liability-only insurance for teen drivers. Learn how crash risk affects liability limits, asset exposure, and vehicle choices for families.
Entry
Do You Need Uninsured Motorist Coverage with Liability-Only Insurance?
Understand why uninsured motorist coverage is essential when dropping full coverage, how state laws treat it, and what happens when hit by an uninsured driver.