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Liability Insurance Coverage for Auto



Bodily injury liability and property damage liability coverages provide compensation for injuries to other drivers & passengers, related legal expenses, and damage done to another person’s property if you cause an accident.


What Is Bodily Injury Liability Coverage?
  • Covers the costs associated with the covered injuries you may have caused to other people in that accident.
  • Provides you with legal defense if the other person files a lawsuit against you.

NOTE: Bodily injury liability covers injury to people, up to the policy limits.

 

What is Property Damage Liability Coverage?
    If you’re in an accident where you’re at fault:

  • Your property damage liability pays for the covered damage you’ve caused to the other car.
  • Provides you with legal defense if the other person files a lawsuit against you.

NOTE: Make sure that you have enough property liability insurance to cover the amount of damage your car might do to another vehicle or an object such as a building or equipment.

 

What Does Liability Insurance Cover?

Liability coverage is the most important protection a driver can have. If you are found legally responsible for damages resulting from an accident, this coverage may pay up to the limit you select. Choose your limits carefully, as you will be personally responsible to cover any costs above the limit. If more coverage is needed to protect your personal assets, look into purchasing an umbrella policy. Covered expenses for anyone injured in an accident — including passengers in your car, passengers in another car and pedestrians — can include:

  • Hospital and medical bills
  • Lost wages
  • Pain and suffering
  • Rehabilitation services
  • In-home health care services
  • Legal fees
  • Bail bonds
  • Court costs

 

Contact us if you need further assistance understanding your state requirements and selecting the amount of liability coverage that’s right for you.


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