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. Contact us today with any questions, or stop by the dealership to speak with one of our finance experts.

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    Phone: (508) 336-1400

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    16 Highland Avenue, Route 6 Seekonk, MA

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    First Acura
    First Acura
    16 Highland Avenue, Route 6
    Seekonk, MA, 02771 USA
    (508) 336-1400
    https://www.firstacura.com/wp-content/themes/DealerInspireDealerTheme/images/logo.png
    First Acura 41.808434, -71.3369972.