What Does Liability Insurance Cover?

Auto liability insurance covers both property damage and bodily injury, and it is a requirement for drivers in most states. Liability insurance covers expenses from injuries to other people or property damage if you are at fault in an accident on the Kyle roadways. So, what does liability coverage pay for? Sterling Acura of Austin explains this type of coverage in more detail below. You can also learn more about yourgap insurance options.

How Does Liability Insurance Work?

While both bodily injury and property damage fall into your overall liability coverage, there may be set limits for each one. States set their own minimum limits, but you can also set your own limits depending on what you are comfortable with. Here is what is covered by liability insurance:

Bodily Injury

  • Pain and suffering
  • Lost earnings
  • Medical and hospital bills
  • Rehab
  • Any long-term nursing care that may be needed
  • Funeral expenses in the event of a fatal accident

Property Damage

  • Necessary part replacement
  • Vehicle damage
  • Repair expenses
  • General property damage (house, personal property, etc.)
  • Pets

Keep in mind that this type of coverage is for the victim of the accident. It is not the driver that caused the accident. Be sure that you also set proper limits on your liability coverage that are in line with how much you’re can offer.

Liability Coverage Limits

It is important to talk about coverage limits when you meet with your Buda agent. You have the option to split limits or keep them together as one. Here is what this means:

  • A split limit will let you 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. If you choose this type of coverage, the lump sum will be spread across all those injured and all property damaged.

Learn More About Insurance Coverage with Sterling Acura of Austin

An important part of the car shopping process is discussing and understanding the insurance and financing options available to you. Remember to follow state guidelines as well as choose the right coverage that meets your needs. If you have any questions regarding liability coverage, comprehensive coverage, or financing your new vehicle, do not hesitate to contact us. We would be glad to assist you.

Learn More at Sterling Acura of Austin

  • What are the 2022 Acura MDX Colors?

    Before you seal the deal on your next luxury SUV, you want it in a design you’ll be thrilled to show off on Kyle roads, and you’re sure to find the right fit with the new 2022 Acura MDX colors. Whether you’re looking for something sleek and classic or bold and vibrant, you can seamlessly…

  • 2021 Acura RDX MPG Ratings

    When it comes to your next SUV you need the luxury of a more fuel-efficient drive on Kyle roads, and that’s what you’ll find thanks to the new 2021 Acura RDX mpg ratings. Delivering a base Acura RDX gas mileage of 22 city mpg / 28 highway mpg* backed by expert engineering and other reliable…

  • 2021 Acura RDX Colors

    The best part of choosing your next luxury SUV is finding it in a style you’ll love to show off around Kyle, and there’s no better place to start than with the 2021 Acura RDX colors. Look your best no matter where the road takes you with eight distinct Acura colors and complementary cabin designs…

Saved Vehicles

SAVED VEHICLES

You don't have any saved vehicles!

Look for this link on your favorites:

Save

Once you've saved some vehicles, you can view them here at any time.

Contact Us

(512) 691-3800

Call Now

4801 S IH 35 Frontage Rd • Austin, TX 78744

Get Directions

Today's Hours:

Open Today! Sales: 9am-8pm

Open Today! Service: 7am-6pm

Open Today! Parts: 7am-6pm

Sterling Acura of Austin 30.2072295, -97.7556433.