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

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