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What Does Liability Insurance Cover?

Liability insurance is required by law in most states when you buy a new car, and it’s important for Southlake drivers to understand how it works. So, exactly what does liability insurance cover, and what does it pay for? Auto liability insurance by definition may vary slightly from state to state and provider to provider. However, it generally offers coverage from bodily injury and property damage to the victim in an accident where you are at fault.

Take some time to learn the answer to “how does liability insurance work?” and other essential car buying tips, such as a guide on buying vs. leasing, from Essence Alfa Romeo.



How Does Liability Insurance Work?

Each state sets its own auto liability insurance definition in order to protect the minimum standards of coverage in the event of an accident. That’s because drivers at fault need to have some kind of baseline insurance to cover other drivers involved. However, you can always increase your coverage if you’d like to be covered in terms of costs.

So what exactly does liability insurance cover? Check below:

Bodily Injury:

  • Medical and hospital bills
  • Long-term nursing care if needed
  • Funeral expenses in the event of a fatal accident
  • Rehab
  • Pain and suffering
  • Lost earnings

Property Damage

  • Repair expenses
  • Replacement parts
  • Vehicle damage
  • General property damage (house, personal property, etc.)
  • Pets

Keep in mind that these benefits apply to the victim of the accident, not the driver at fault for the damage.

Liability Coverage Plans

So what does Keller or Dallas? It’s a good idea to chat with your insurance agent or speak with financial experts to explore your options. One of the biggest choices you’ll have to make is whether to go with a split limit or single limit. What does liability insurance pay for in these plans?

  • A split limit plan allows you to set individual maximums for the following categories: individual bodily injury payments, group bodily injury payments, and property damage overall.
  • A single limit plan does not set limits independently, so you have one lump sum to spread across all of those injured and all of the property damaged.

Explore Your Options with Essence Alfa Romeo

Are you still wondering “what does liability coverage pay for?” Don’t hesitate to contact us at Essence Alfa Romeo of Hurst to learn everything you need to know. Our team of experts is ready to help answer your questions with ease.

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