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I have liability coverage only and I hit a highway median. Am I covered for any damages?

I was driving and I hit the median on the highway. No damage occurred to the median as stated in the report, but my insurance is lapsed. I am covered under liability so If I pay my insurance and my insurance doesn’t have to pay for any damages, is that considered fraud? Will the state still sue me as an uninsured driver if I paid it on the same day?

Dec 9, 2020 Fort Wayne, IN

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Renata Balasco

Senior Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Liability insurance only covers damages you directly cause. It never covers your own property. If the state seeks damages and the insurance was not active you do open yourself up to potential lawsuits for them to collect their damages.

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