Car Liability Insurance
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What is Car Liability Insurance?
Car liability insurance protects you from a variety of claims including injuries and property damage if you cause an accident by helping pay for the other person’s expenses. Auto liability insurance is required by law in most states.
What Does Auto Liability Insurance Cover?
Auto liability insurance comes in two forms: bodily injury coverage and property damage liability coverage. Drivers in most states typically have both components.
Bodily Liability Coverage
If after an investigation, you’re found at fault for an accident, your car liability insurance will pay for the medical expenses another driver or passenger may have after suffering injuries. That includes pain and suffering, and lost wages.
Property Damage Liability Coverage
If you cause an accident that damages someone else’s property, such as a car, home or telephone pole, your auto liability insurance will help pay for the repairs, up to your coverage limit. Also, if a lawsuit ensues, this coverage will pay for your defense and court costs.
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Car Liability Insurance Coverage Limits
A limit is the maximum dollar amount your insurance may pay for an accident. The rest you would be responsible for. Each state sets minimum coverage limits that drivers are required to have, but you may decide to purchase additional coverage. When deciding if you should consider higher limits, it’s helpful to ask yourself how much you’d be able to pay out of pocket right now if you caused an accident.
What is Not Covered by Auto Liability Insurance?
If you caused an accident your liability coverage will not pay for any injuries you sustained. It will also not for any repairs to your vehicle. If you want those types of coverage, you may want to consider collision coverage and medical payments coverage.
How Do I Get an Insurance Quote?
It only takes one car accident to disrupt your life. There are several auto insurance packages you can choose from today to keep you and your family protected. If you’re overwhelmed by your options contact SIG Insurance today!Back to Auto Insurance
Car Liability Insurance in Longwood FL, Melbourne FL and Venice FL
Serving the Entire State of Florida