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Im Ramsay personality and financial expert George Campbell in this video youll learn at least three things about liability insurance what liability insurance is what liability insurance covers and what liability coverage limits are [Music] viability insurance is the most important type of car insurance you can have and heres why lets say youre driving down the street to get some ice cream because everybody likes ice cream and as youre driving youre so busy trying to decide between mint chocolate chip or rocky road that your mind wanders and you dont even notice the cute chipmunk that darted out on the road in front of you so you slam on your brakes you swerve to avoid hitting the cute chipmunk and you end up crashing into a car in the next Lane so now it looks like youre not going to get any ice cream and to make matters worse even though the cute chipmunk is ultimately to blame youre responsible for the damages caused by the accident in other words youre liable for the cost