Legally, the most important coverage to carry on your auto policy is liability. In terms of consumer understanding, however, I find that many people can’t quite grasp the concept of what this coverage is designed to do and how important it can be. When I have conversations with new customers regarding coverage’s they’re shopping for, oftentimes, they realize they’ve never paid much attention – if any - to liability. Their main concern is making sure their own car will be repaired if there’s an accident. This approach to buying auto insurance is ill-considered and imprudent. If limits are chosen properly, liability coverage can be the difference between being well protected and potential financial disaster.