If you or your vehicle are at fault in an automobile accident, liability insurance covers damage to the property and/or bodily injuries to others up to the limit of your policy. This coverage is required by most states and usually covers two parts.
Auto liability insurance provides coverage for bodily injury and property damage you are liable for to another party in the event of an accident. Liability does not cover damage to your property and your injuries regardless of whether you are at fault or not at fault. If you would like to increase your protection, talk to your agent or carrier about collision, comprehensive, medical payments, uninsured motorist, rental car, and other coverages.
Several factors affect the cost of your liability insurance as part of your auto insurance policy, including but not limited to:
There are several reason to carry insurance:
To find out how much coverage you need, talk to your local agent. Liability coverage shouldn’t be one-size-fits-all.
In case of serious accidents or lawsuits that may exceed the limits on your current automobile liability policy, make sure to discuss an umbrella policy with your agent.
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