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What Does Liability Insurance Cover?

Accidents happen and San Antonio drivers need to stay protected on the road. So, what is the definition of auto liability insurance? Most states require auto liability insurance, which is a two-fold insurance plan that covers both bodily injury and property damage. What does liability coverage pay for? In the event of an accident where you are at fault, liability insurance will cover expenses from injuries to others and property damage. 

Follow along with the team at Nyle Maxwell Chrysler Dodge Jeep Ram of Castroville to learn about how liability insurance works when you get into an accident. Talk to the team in our finance department if you have questions about your insurance!

 

 

What Does Liability Coverage Pay For?

How does liability insurance work for Alamo Heights drivers? The state sets a minimum limit for bodily injury and property damage, but the policyholders can set individual limits based on what works for them. Here are some circumstances that liability coverage pays for:

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

It’s important to remember that what liability insurance covers is the victim of the accident and not the drivers at fault. Alamo Heights drivers should set a proper limit for bodily injury and property damage based on their budget and how much they can afford to offer.

Setting Liability Coverage Limits

Take the time to discuss coverage limits with a local Balcones Heights agent when setting up a plan. Limits can be set up as a single limit or split to fit the individual level of coverage. How does liability insurance work when setting limits?

  • When splitting the limit, drivers can set the individual maximums on a case-by-case basis for bodily injury per person, for all people injured, and all property damage.
  • When setting a single limit, there is no total limit per person. Those injured and the property damaged will be compensated with a simple lump sum. 

Learn More About Vehicle Coverage with Nyle Maxwell Chrysler Dodge Jeep Ram of Castroville! 

It’s important to understand the definition of auto liability insurance when it comes to protecting you and others on Balcones Heights roads. Contact us if you still have questions about what liability insurance covers. Interested in getting the most out of your car finance? Learn about Guaranteed Car financing, refinancing a loan, and other car buying tips when you visit Nyle Maxwell Chrysler Dodge Jeep Ram of Castroville.

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