Many Malaysians do not pay much attention of Liability Cover, because in Malaysia, we do not have the culture of suing each other. You might have heard of the case, where a woman spilled hot McDonalds coffee and successfully went to court to get millions of USD. Personal Liability Cover will pay for the
The liability cover is also valid, when you travel abroad, but not for USA and Canada. This is because of the McDondalds case that was described above. Insurane would be too expensive. However, you are still covered in places like Europe, where you can also fall victim to a lawsuit.
When you travel to place like the USA or Canada, you most definitely want to buy a travel insurance to not only protect you from lawsuits, but also for the high medical expenses. Especially the US has one of the highest medical costs in the world.