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New Autocar Insurance Bonuses for Drink DriversA part of the policy fulfilling the requirements of law is the liability portion. A autocar insurance policy is a legal contract between you and your autocar insurance company. That part of the policy covers “the other party”. If you or I gets into an accident (unfortunately it happens) someone will usually be "at fault". The policeman at the scene of the accident normally determines this as he gets the facts and fills out the accident report. The one at fault may get a ticket for causing the accident or for driving carelessly. There are many possible variations of this scenario. So, both parties are carrying autocar insurance policies. The one who is “at fault” has triggered the “liability” part of his policy, (his legal contract with the autocar insurance company). Again, the autocar insurance company has agreed to assume your risk of “liability” in exchange for your payment of the policy premiums. 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