半保，全保不是严格的说法，区别在你买了多少选项，强制性的基本保险就是Liability inusrance,

来源: 水中捞月于 2016-03-10 10:38:02 [档案] [博客] [旧帖] [给我悄悄话] 本文已被阅读：次 (2902 bytes)

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回答: 我的帖是回那位说如果自己错，半保不付自己那部分的账单。所以一直讨论的都是半保。你看我放上来那张保单就知道了。由白云青山于 2016-03-10 10:03:15

你贴的那个保单实际上已超出Liability coverage的范围了，已经加了那个DMV所说的选项medical expense coverage, 尽管你把它称为“半保”. 其实你开始的问题是：如果自己过错，你确定Liability Insurance不付自己的医疗账单？

请看你说的加州的liability保险：

Liability Coverage and California Law

Liability coverage helps pay for injuries or damage to others when you are responsible.

Minimum Liability Coverage

By law, the limits below are the minimum insurance limits for a standard auto policy. You must have this much coverage.

Minimum Bodily Injury Liability Limits

$15,000 for the death or injury of any one person. If one person is injured in the accident, your coverage pays up to $15,000.
A total of $30,000 for the death or injury of more than one person in any one accident. If 2 or more people are injured, the coverage pays up to $30,000. The coverage will not pay more. The injured people share the money.
This coverage applies to injuries that you cause to someone else.

Minimum Property Damage Liability Limits

$5,000 for damage to the property of other people.
This pays for damage you cause to someone else's car, or to objects and structures that your car hits.

You must buy liability coverage.

Other Kinds of Coverage
These are other common types of coverage. You may not need all of them.
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Medical Payments Coverage
This covers the cost of medical expenses if you or your passengers are injured. This coverage can pay for immediate medical care, no matter who is at fault.
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http://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm#introductiontoautoinsurance

由此看来，加州的强制保险也就是Liability coverage，你贴的那个保单明显是多了一个选项，即加了保自己医疗费用险的额外coverage。

好，现在再来想你最开始的问题：如果自己过错，你确定Liability Insurance不付自己的医疗账单？

仔细理解英文条款的意思很重要。