Liability Car Insurance is what protects you from an
at-fault accident. This type of coverage comes in two parts. The first covers
any property damage that you caused during an accident. The second part covers
any physical injuries that you’ve caused during an at-fault accident, otherwise
known as a bodily injury liability.
But there’s more to liability car insurance than that,
including different limits and liability options.
Liability Coverage offers different limits. You can find
them in your Auto insurance policy.
This the total amount of money that your insurance company
will pay for any property damage you caused during in accident. This limit is
set at the time you buy your policy.
Liability per Injured Person
This establishes the amount of money that your insurance
company will pay for every injured person during an accident you caused. Be
sure to check your policy.
Liability per Accident
This one is very important because it sets a cap on the
total amount your insurance company will cover for any at-fault accidents
resulting in bodily injury. Before deciding on the limit on what your bodily
injury liability per accident will be, you might want to take into account the
amount needed to cover medical expenses for multiple people.
What will Liability
Insurance not Cover?
Liability insurance will typically not cover the damages to
your car or any of your medical expenses associated with the accident you caused.
However, you might want to ask your insurances broker about other type of
coverages that will help you under these circumstances, such as, collision
Other coverages that can help you with medical expense at
the time of an at-fault accidents include personal injury protection. For more
information about different types of insurance coverages available, talk to an
Another thing to consider when purchasing your insurance
policy is the state requirement for liability insurance. Many states have
minimum requirements as to how much Liability insurance your policy must carry.
For example, California drivers are legally required to carry a minimum of
$15,000 body injury coverage per person, $30,000 body injury coverage per
accident, and $5,000 coverage for property damage. Every state has different requirements, so be
sure to do your research.
If you still have other questions or concerns about what
type of auto insurance policy to purchase, talk to an insurance broker.