# Can my policy help if I have only liability coverage? Canonical: https://californiapersonalinjurylaws.com/guides/liability-only-injury-coverage/ Reviewed by Andrew (Andy) R. Gillin; publisher reported approval on 2026-11-04. Original review date was not supplied. ## Short answer This part of a car policy usually pays for harm you cause to other people. It is not the same as coverage for your own injuries. The whole policy needs review. ## Hypothetical example A driver calls their plan “liability only.” They check the coverage page to see what it pays for. ## How the rule works Read the whole policy, not just its name. Coverage for harm from an uninsured driver is different from medical payments. Your health plan is different too. ## What can change the answer The price of a policy does not tell you all it covers. Waivers and exclusions can matter. So can who was driving. ## A useful next step Get the policy and coverage page. Ask which benefits may apply to you and why. ## Court decisions behind this answer ### Waller v. Truck Ins. Exchange, Inc. (1995) 11 Cal.4th 1, pp. 18–19. The court read the policy to decide if a loss might be covered. What the contract says matters. Limit: This was a business policy. It does not show what your own car policy pays. Source: https://law.justia.com/cases/california/supreme-court/4th/11/1.html ## Sources - [California Department of Insurance — Automobile insurance guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm) - [Insurance Code § 11580.2 — Uninsured motorist coverage](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS§ionNum=11580.2.) - [Waller v. Truck Ins. Exchange, Inc. (1995) 11 Cal.4th 1](https://law.justia.com/cases/california/supreme-court/4th/11/1.html) General information, not legal advice.