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What Does Liability Insurance Cover?

In most states, liability insurance is a required form of coverage for all drivers. Auto liability insurance is a two-fold plan that covers bodily injury and property damage. If you are at fault in a collision on the roads of Hoover, liability insurance covers expenses from injuries to other people as well as property damage. So, how does liability insurance work, and what does liability coverage pay for? Riverchase Kia has provided an auto liability insurance definition below. 

 

 

How Does Liability Insurance Work?

As part of your overall liability insurance plan, both bodily injury and property damage are covered. If you prefer, each type of coverage under this umbrella can have its own set limits. The state has set minimum limits, but you can opt for more coverage for added peace of mind. What does liability insurance cover? The following falls under liability coverage: 

Bodily Injury

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

Property Damage

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

Keep in mind that liability coverage is for the victim of the accident. It does not cover the driver who causes the accident.

Limits on Liability Coverage

As mentioned above, as long as you have the minimum amount of coverage, you can set specific limits that meet your needs and budget. Limits can either be split or housed as a single limit. 

  • If you opt for a split limit, you are able to select individual maximums for bodily injury payments per person, for all people injured, and all property damage.
  • If you prefer a single limit, there is no total limit per person. A lump sum will be divided among those who are injured and to cover damaged property. 

Contact Riverchase Kia for More Insurance Information

When you shop for a new vehicle with Riverchase Kia, you want to make sure that you have the proper amount of insurance coverage. Our finance experts can help. Contact us today for more information. 

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