What Does Liability Insurance Cover?

A pair of glasses and a pen are sitting on top of an insurance document.
 

Purchasing and registering a vehicle in most states requires a minimum of liability insurance coverage. So, what does liability insurance cover? How does liability insurance work? If you’re like other St Cloud drivers, these are probably questions you’ve asked yourself in the past. Luckily, Morrie's Buffalo Ford is providing all of our Rockford and Monticello clients with a comprehensive auto liability insurance definition. 

 

 

How Does Liability Insurance Work?

The auto liability insurance definition specifically states that this form of coverage protects against property damage and bodily injuries stemming from an at-fault accident on your behalf. What does liability insurance cover? It covers the expenses that arise from any of these events and prevents you from having to pay out of pocket. It pays for any injuries sustained by the other driver, any passengers, or pedestrians, along with any potential property damage that took place. 

In most places, looking up the auto liability insurance definition will state that bodily injuries and property damage have state-mandated coverage limits, meaning you must carry a specific amount of coverage protection. However, you can always carry a policy with enhanced forms of protection, assuming it’s within your budget range. So, what exactly does liability insurance cover? If a claim is filed, liability covers the following: 

Bodily Injury

  • Medical and hospital bills
  • Any necessary long-term nursing care 
  • Funeral expenses from a fatal accident
  • Rehabilitation sessions
  • Pain and suffering
  • Lost wages

Property Damage

  • Repair expenses
  • Necessary part replacement
  • Vehicle damage
  • General property damage, such as damage to a house or other personal property
  • Pet injuries

Liability Coverage Limits

How does liability insurance work financially? You’ll need to discuss the specific limits with your insurance agent. However, coverages are normally presented in the following format: 

  • Split Limit: This lets you divide coverage into three categories: bodily injuries per accident, bodily injuries per individual, and property damage per accident.
  • Single Limit: Allows you to opt for a lump sum spread across all injured parties and all property damage. 

Learn More About Liability Insurance Coverage at Morrie's Buffalo Ford

Hopefully, the auto liability insurance definition is clearer now. If you’re interested in learning more about liability coverage, contact one of the experts at Morrie's Buffalo Ford. We’re here to assist with this and any inquiries related to finance or service

 

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