Get Liability Coverage with SafeAuto

What Is liability insurance coverage?

Liability auto insurance is an essential part of every car insurance policy. The reason why it’s so important to carry it is because it helps protect you in the event you caused an accident. It helps protect you against the claims that are made by other drivers for injuries or damages that they claim they sustained, up to the limits of liability in your policy. In fact, in nearly every state, it is required by law for all drivers to carry it on their policies, and SafeAuto has specialized in helping drivers meet that requirement for over 20 years.

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What Does Liability Insurance On My Car Insurance Policy Cover?

Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as three amounts separated by slashes.

  • $25,000 | Bodily Injury per Person

    The first number is the maximum amount that your policy will pay for injury to any one person resulting from a covered accident.

  • $50,000 | Bodily Injury per Accident

    The maximum amount that your policy will pay for all injuries sustained by two or more people resulting from a covered accident. It is commonly twice or three times the amount of the per-person bodily injury limit. The higher the amount, the more coverage your policy affords.

  • $25,000 | Property Damage

    The maximum amount that your policy will pay for all property damaged (including vehicles) as a result of a covered accident.

What is covered under the bodily injury limit?

In most states, bodily injury coverage pays for claims related to injuries to other persons vehicles involved in an accident that you caused. It covers the damages resulting from the bodily injury sustained, typically amounting to medical expenses, lost wages, pain and suffering and related items.

Bodily Injury

Example: You cause an accident with another driver who has three passengers in her car. If you have liability insurance, you are covered against any bodily injury claims filed by the driver or her three passengers up to the limits of your policy. So if your per person bodily injury limit is $25,000 and your per accident bodily injury limit is $50,000, your policy will pay at most $25,000 to cover the bodily injury claims of any one of the four people in the struck vehicle but only up to $50,000 in total for all bodily injury claims resulting from the accident.

What is covered under the property damage limit?

If you cause an accident, your liability insurance will cover property damage claims resulting from the accident up to the limits of your policy. Property damage includes damage to the other vehicle, as well as damage to other property such as buildings and telephone poles that might be damaged in the accident.

Property Damage

Example: Suppose you rear-end the driver in front of you at a stoplight. No one is hurt but there is damage to both cars. If you have a car insurance policy with liability limits of $25,000/$50,000/$25,000, your insurance company will pay up to $25,000 for damages to the other driver’s car if a claim is filed. If the damage is more than $25,000, you will be personally liable for paying the rest.

How do I get a car insurance quote with SafeAuto?

We know you are busy and the last thing you want to do is spend your time getting a car insurance quote. At SafeAuto, we understand that shopping for car insurance can be stressful and pricy. As the leading car insurance provider in state minimum coverage, we want to provide you with a car insurance quote that fits your budget in as little as 3 minutes or less so that you can get back to joining the road ahead.

Conditions, Limitations, & Exclusions

All coverages listed above are subject to various conditions, limitations, and exclusions, all of which are described fully in the car insurance policy. It is essential to read through your policy to learn how the above coverage types applies to you, and what you can do to maximize the benefit you receive. SafeAuto is available 24/7 to help you customize your liability auto insurance quote that gets you what you need at a price you can afford. Now, that’s insurance for the rest of us.