What Does Liability Insurance Cover?

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What is the auto liability insurance definition? Auto liability insurance is necessary in most states, and it is designed to cover both bodily injury and property damage. Both are necessary to cover expenses from injuries to other people or property damage if you are considered at fault in an accident. So, what does liability coverage pay for? SJ Denham Chrysler Jeep FIAT takes a closer look at how this coverage works as well as what is included when buying a car.

How Does Liability Insurance Work?

While both bodily injury and property damage fall into your overall liability coverage, you have the ability to set individual limits. The state you live in has likely set its own minimum limits, but there is an opportunity to set your own limits if you prefer to do so. Here is what is covered by liability insurance:

  • Bodily Injury
      • Medical and hospital bills
      • Any long-term nursing care that may be needed
      • Funeral expenses in the event of a fatal accident
      • Rehab
      • Pain and suffering
      • Lost earnings
  • Property Damage
    • Repair expenses
    • Necessary part replacement
    • Vehicle damage
    • General property damage (house, personal property, etc.)
    • Pets

Keep in mind that liability coverage is for the victim of the accident. It is not designed to cover the driver who is at fault in the accident. Remember to also be sure that the limits you set properly reflect what you are able to offer.

Liability Coverage Limits

When it comes time to set up your coverage, you have a few more things to consider. You are able to split the limits or keep the two combined. Before deciding, keep the following information in mind.

  • A split limit gives you a chance to choose individual maximums for bodily injury payments per person, for all people injured, and all property damage
  • With a single limit, there is no total limit per person. The lump-sum is divided among all of the victims of the accident.

SJ Denham Chrysler Jeep FIAT Makes Car Insurance Hassle-Free

Whether you are searching for liability only car insurance, a liability insurance quote, or you want to learn more about liability insurance cost, the team at SJ Denham Chrysler Jeep FIAT has you covered. We would be glad to answer any questions that you may have. Contact us today for more information.

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