What Does Liability Insurance Cover?

car insurance

Required by law in most states, auto liability insurance is a two-fold plan that covers bodily injury and property damage. These are separate, however, they are both required for a majority of drivers. Liability insurance covers expenses pertaining to injuries to other people or property damage if you, the Providence driver, are at fault. So, what does liability coverage pay for? The finance experts at First Acura are here to explain the basics of liability insurance coverage and to answer any of your questions.

How Does Liability Insurance Work?

While both bodily injury and property damage fall into your overall liability coverage, each can have their own set limits. Though there are minimum limits set by the state, you have the option to set your own limits as well. Liability insurance covers these areas:

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

Keep in mind that liability coverage is for the victim of the accident, not the driver that causes the accident. Be sure to set proper limits on your liability coverage that align with how much you’re able to offer.

Liability Coverage Limits

When setting up your plan with your Warwick agent, you’ll have to discuss coverage limits. You are able to split limits, or they can be housed as a single limit. The choice is up to you. Here’s what you can expect:

  • With a single limit, there is no total limit per person. The lump sum is spread across all those injured as well as all property that is damaged.
  • A split limit lets you choose individual maximums for bodily injury payments per person, for all people injured, in addition to property damage.

Learn More About Insurance Coverage at First Acura

At First Acura, we strive to make the car shopping experience as hassle-free as possible. This includes helping Cranston area drivers choose the right insurance coverage that meets their needs as well as falls within state guidelines. You can even learn more about how to trade in a carContact us today with any questions, or stop by the dealership to speak with one of our finance experts.

More from First Acura

  • 2020 Acura RDX Technology Package

    The 2020 Acura RDX is a sleek and sophisticated crossover that is packed with the latest tech and convenience features. From the Acura Premium Audio System to Bluetooth® Streaming Audio, a 7-Inch Color Multi-Information Display (MID), and much more, the RDX adds convenience to your Warwick commute and helps keep you connected no matter where…

  • 2019 Acura RDX Interior

    Providence drivers are sure to appreciate the luxe finishes and advanced connectivity of the 2019 Acura RDX interior. Take a look at what this Acura sedan has to offer in terms of features and dimensions to see how it can improve your Warwick-area commute. 2019 Acura RDX Overview Acura RDX for Sale Acura RDX Dimensions…

  • Acura ILX Premium Package

    Shopping for a compact sedan near Providence? Consider the 2019 Acura ILX. It comes in four packages, or trim levels, including the Acura ILX Premium Package. Acura ILX InventoryLearn More Acura ILX Premium Package Highlights The ILX Premium is the top-of-the-line trim, and it starts at $27,650 MSRP*. With this package, you get more in…

Saved Vehicles ×


You don't have any saved vehicles!

Look for this link on your favorites:


Once you've saved some vehicles, you can view them here at any time.

Contact Us ×

(508) 336-1400

Call Now

16 Highland Avenue, Route 6 • Seekonk, MA 02771

Get Directions

Today's Hours:

Open Today! Sales: 9am-7pm

Open Today! Service: 7am-7pm

Open Today! Parts: 7am-7pm

First Acura

16 Highland Avenue, Route 6 Seekonk, MA

Phone: (508) 336-1400



Phone: (800) 617-3044

16 Highland Avenue, Route 6 Seekonk, MA


Phone: (855) 638-1491

16 Highland Avenue, Route 6 Seekonk, MA


Phone: (888) 228-7210

16 Highland Avenue, Route 6 Seekonk, MA
41.808434 -71.3369972
[schema type="organization" orgtype="LocalBusiness" url="www.firstacura.com" name="First Acura" description="" street="16 Highland Avenue, Route 6" city="Seekonk" state="MA" postalcode="02771" country="USA" email="assistance@firstacura.com" phone="(508) 336-1400" logo="https://www.firstacura.com/wp-content/themes/DealerInspireDealerTheme/images/logo.png"]
First Acura
First Acura
16 Highland Avenue, Route 6
Seekonk, MA, 02771 USA
(508) 336-1400
First Acura 41.808434, -71.3369972.