What Does Liability Insurance Cover?

car insurance paperwork with car key
 

Legally required in most states, auto liability insurance is a two-fold plan to cover both bodily injury and property damage. Though separate, they are both legally required for Barberton drivers. But what does liability insurance cover? How does liability insurance work? The auto liability insurance definition essentially means your coverage will pay for the cost of injuries or property damage that you cause while behind the wheel. What does liability coverage pay for exactly? We’ll examine liability insurance and its limits below.

How Does Liability Insurance Work?

Now that we’ve established the auto liability insurance definition, it’s good to understand how liability insurance works. If you’re a conscientious Massillon driver, you’re probably asking, “What does liability insurance cover?” Both bodily injury and property damage fall under liability coverage, but each can have individual limits. Though each state has a legal minimum, you can set your own parameters based on what amount of coverage makes you comfortable on the North Canton streets. So, what does liability coverage pay for? Auto 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

Be mindful that liability coverage is intended to cover the victim of an accident, not the driver at fault. It’s important to align your coverage limits with how much you’re able to offer.

Liability Coverage Limits

When setting up your plan with your insurance agent, you’ll want to discuss your coverage limits. Limits can be split, or grouped as a single plan. Learn more here:

  • A split limit allows you to select individual maximums for bodily injury and property damage payments for all involved.
  • A single limit, on the other hand, has no caps. The lump-sum coverage amount will be spread across all those who were injured or had their property damaged.
  • 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 Serra Chevrolet Akron

When you team up with Serra Chevrolet Akron, we will help you tackle every phase of automotive ownership. From researching your car purchase to service down the line, our Akron team has your back. If you’re still unsure about the auto liability coverage definition, our finance team is happy to sit down and offer personalized guidance. As always, contact us at your convenience to find automotive solutions! 

 

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