What Does Liability Insurance Cover?

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In almost every state, auto liability insurance is required by law. However, for many Westlake-area drivers, the auto liability insurance definition can be a confusing one, and for good reason! Liability insurance plans have two distinct kinds of coverage with their own set of factors, with one attuned to bodily injury and the other focused on property damage.

In both cases, the underlying purpose of liability insurance is to protect the victim in the event of an accident. If you happen to be found at fault for damages, your liability insurance will help mitigate the costs you may owe the injured party/owner of the vehicle.

How Does Liability Insurance Work?

Liability insurance begins with the legal requirements set and standardized for every driver by each state. From there, drivers can choose to increase their coverage to suit their needs. So, what does liability coverage pay for? There are a few expectations drivers looking into liability insurance can generalize across the U.S. however. See below for what liability coverage usually applies to:

  • Property Damage
    • Repair expenses
    • Necessary part replacement
    • Vehicle damage
    • Pets
    • General property damage (house, personal property, etc.)
  • Bodily Injury
    • Medical and hospital bills
    • Any long-term nursing care or related that may be needed
    • Funeral expenses in the event of a fatal accident
    • Rehab
    • Pain and suffering
    • Lost earnings

Remember that liability insurance only protects the victim in an accident. Additional coverage is available as an upgrade, essentially, to help cover your expenses, if you happen to be held responsible for the damages. Also, it’s important to remember that Insurance is designed to relieve you of extra stress after an accident; our professionally-staffed collision center is designed in the same fashion, making it easy to get safely back on the roads around Round Rock.

Understanding Liability Coverage Limits

If you’re decided on what kind of liability coverage you need, most insurers will let you choose between one of two options. These are either a ‘split limit’ or a ‘single limit’—we’ve outlined the differences most important for Leander drivers below:

  • A split limit allows drivers to independently control the payouts for individuals, multiple injured parties, and for property damage.
  • With a single limit, you’ll be insured for a large lump sum. In the event of an accident where you’re found at fault, this money will be evenly split out to all injured parties and damaged properties.

Learn More About Your Coverage With Covert Chrysler Dodge Jeep Ram!

There’s always more to learn if you’re in the market for a new or pre-owned vehicle. Luckily, the team at %di_name%% is here to help. Our finance experts are always read to navigate through any part of the process along with you. Contact us or stop by our offices in Austin if you have any more questions!

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Covert Chrysler Dodge Jeep Ram

8107 Research Blvd Austin, TX

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8107 Research Blvd Austin, TX
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Covert Chrysler Dodge Jeep Ram
Covert Chrysler Dodge Jeep Ram
8107 Research Blvd
Austin, TX, 78758 US
Covert Chrysler Dodge Jeep Ram 30.352832, -97.713552.