A part of the policy fulfilling the requirements of law is the liability portion. A motor insurance policy is a legal contract between you and your motor insurance company. That part of the policy covers "the other party". If you or I gets into an accident (unfortunately it happens) someone will usually be "at fault". The policeman at the scene of the accident normally determines this as he gets the facts and fills out the accident report. The one at fault may get a ticket for causing the accident or for driving carelessly. There are many possible variations of this scenario. So, both parties are carrying motor insurance policies. The car driver who is at fault has triggered the liability part of his auto insurance policy, (his legal contract with the motor insurance company). Again, the motor insurance company has agreed to assume your risk of liability insurance in exchange for your payment of the policy premiums. Fix the cheaper car insurance deductible in Ohio in auto insurance chapter for professionals.
