How Does Liability Insurance Work?

car insurance

Wondering, “How does liability insurance work?” Liability insurance is legally required in most states, and auto liability insurance is a dual-fold plan that covers property damage and bodily injury. Though there are separate requirements, they’re both legally required. Liability coverage expenses from property damage to injuries to others are covered if you, the Harrisburg driver, is at fault. What does liability insurance cover? Check out what liability coverage offers and our new vehicle specials, then contact usfor more information and to arrange your test drive!

 

 

What Does Liability Insurance Pay For?

What does liability insurance pay for? While property damage and bodily insurance fall into your liability coverage, each can carry their own predetermined limits. While states set their own minimum limits, you can also set your limits based on what makes you comfortable. Liability insurance covers:

Property Damage

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

Bodily Injury

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

Liability Coverage

When arranging your liability coverage, you’ll want to discover your liability coverage limits. Limits can be housed as a single limit or can be split up:

  • With a single liability coverage limit, there is no overall limit per person, the total sum will be spread across all property damaged and all those injured.
  • A split liability coverage limit will permit you to choose individual bodily injury payment maximums per person, all property damage, and all people hurt.

Discover More About Insurance Coverage Today!

Buying a new or pre-owned car means properly understanding all available auto coverage and financing options. Now that we’ve covered the auto liability insurance definition and available options, you’ll want to ensure that you’re adhering to state guidelines when choosing the liability coverage best suited for your needs. Contact us today to learn more!

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