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Liability insurance is designed for anyone who drives a vehicle, and in most states, is required by law. If you’re at fault in an accident, liability auto insurance helps pay for the costs claimed by other drivers for injuries or damage they sustained, up to the limits of liability in your policy.
Liability car insurance covers bodily injury and property damage claims resulting from an accident where you’re at 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, as we have detailed below.
When you are found at-fault in an accident, bodily injury refers to the maximum amount that your car insurance policy will pay for injury sustained by one person in a covered accident.
Bodily injury per accident refers to 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.
Property damage liability coverage pays for any damage done to another person’s property, or loss of that property. The maximum amount that your policy will pay for all property damaged (including vehicles) as a result of a covered accident.
Bodily injury coverage pays for claims related to injuries involved in an accident where you are at fault. It covers the damages resulting from the bodily injury sustained, typically amounting to medical expenses, damaged property, or lost wages.
Example: You cause an accident with another driver who has three passengers in your car. Luckily for you, you have liability insurance, and 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.
Property damage pays for claims related to any property damage that stemmed from an accident where you are at fault. Property damage includes damage to other vehicles, as well as damage to other property that were damaged as a result of the accident.
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.
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 car a cheap car insurance quote in as little as 3 minutes or less, so you can get back to enjoying the road ahead!
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 that gets you what you need at a price you can afford.
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