What Does Liability Insurance Cover?

car insurance paperwork with car key

Required by law in most states, auto liability insurance is a two-fold plan that covers bodily injury and property damage. Though these are separate, they are both legally required. This covers expenses from injuries to other people or property damage if you, the Stephenville driver, are at fault. So, what does liability coverage pay for? Let’s take a closer look at what it offers, should you get into a car accident in your new vehicle.

How Does Liability Insurance Work?

While both bodily injury and property damage fall into your overall liability coverage, each can have its own set limits. Though there are minimum limits set by the state, you can set your limits based on how much you are comfortable with. Liability insurance covers the following

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

Remember the key factor is that this coverage is for the victim of the accident, not the driver at fault. It’s also important to set proper limits on your liability coverage that align with how much you’re able to offer.

Liability Coverage Limits

When setting up your plan with your Brownwood agent, you’ll have to discuss coverage limits. Limits can either be split or housed as a single limit. Here’s how that works:

  • A split limit will allow you to select individual maximums for bodily injury payments per person, for all people injured, and for all property damage
  • With a single limit, there is no total limit per person. The lump sum will simply be spread across all those injured and all property damaged

Learn More About Insurance Coverage at Bayer Auto Group

Purchasing a new or used vehicle means properly going over, and understanding, all available financing and auto insurance options. Make sure you’re following state guidelines while also selecting the coverage that’s appropriate for your needs. If you have any questions, visit us or simply contact us online.

 

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