This is one of the most misunderstood parts of auto insurance. If you carry liability-only coverage and someone hits you, your insurance company does not owe you anything for your car. In this conversation, Nolan and Jacob explain a situation they see constantly: Someone gets into an accident, calls for help, and finds out their own policy offers zero protection for their vehicle. Liability insurance is designed to protect other people from you — not to fix or replace your car. That’s why unders