What Does Liability Insurance Cover?

car insurance paperwork with car key

 

How does liability insurance work? What does liability coverage pay for? Liability insurance is a form of car insurance that’s required by law in most states. It’s a two fold plan that covers bodily injury and property damage. Though these are separate, both are legally required. This covers expenses from injuries to other people or property damage if you, the driver in Nisswa, are at fault. So, what does liability coverage pay for? Let’s take a closer look at what it offers if you get into a car accident in Aitkin. 

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How Does Liability Insurance Work?

While both bodily injury and property damage are covered by your overall liability coverage, each can have their own set limits. Though there are minimum limits set by your state, you can set your own limits based on what you’re comfortable with. The auto liability insurance definition covers all these aspects:

Bodily Injury

  • Medical and hospital bills
  • Any long-term nursing care that may be needed
  • Funeral expenses in the event of a fatal accident
  • Rehab
  • Pain and suffering
  • Lost earnings

Property Damage

  • Repair expenses
  • Necessary part replacement
  • Vehicle damage
  • General property damage (house, personal property, etc.)
  • Pets

Remember that the crucial part of all this is that the coverage is for the victim of the accident, not for the driver at fault. It’s also important to set proper limits on your liability coverage that align with how much you’re able to offer.

Liability Coverage Limits

When you set up your plan with your Bemidji agent, you’ll need to discuss limits on your coverage. Limits can either be split or housed as a single limit. Here’s how it works:

  • A split limit will allow you to select individual maximums for bodily injury payments per person, for all people injured, and all property damage
  • With a single limit, there is no total limit per person, the lump sum will simply be spread across all those injured and all property damaged

Learn More About Your Insurance Situation at Tanner Nissan

Car insurance causes a lot of headaches, but we want to take the stress out of it. Here at Tanner Nissan, you’ve got access to a sales and advisory team that you can trust. Buying a car is a process that needs the right team. Contact us today to pick a winning team.

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