We have a weird hybrid model in the US (texas, at least) where some aspects of insurance are tied to the driver and some to the car. So I personally have liabil

We have a weird hybrid model in the US (texas, at least) where some aspects of insurance are tied to the driver and some to the car. So I personally have liability insurance that pays out to other people (the legally required part) but also have insurance that covers my car in the event of a wreck.