What Does Liability Insurance Coverage?

The official auto liability insurance definition is financial protection for a driver who, while operating a vehicle, harms someone else or their property. This coverage is required by law in most states to help protect drivers. Auto liability insurance is a two-fold plan that covers bodily injury and property damage. Though these are separate, they are both required for drivers. This ensures, in the event of an accident where you are at fault, that injuries and property damages are covered. So, what does liability coverage pay for? Take a closer look at what it offers in the event of a car accident in your new Chevrolet.

How Does Liability Insurance Work?

While both bodily injury and property damage fall into your overall liability coverage, each can have their own set limits. Each state has their own minimum limits set, so be sure to check out the limits where you live. In addition to the limits, you can opt for more coverage if needed. Liability insurance covers the following:

• 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

Liability Coverage Limits

There are two types of limits to this type of coverage. While setting up your plan, you’ll want to talk with your agent about these. Limits can either be split, or housed as a single limit. Here’s how that 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 Insurance Coverage at Marine Chevrolet

When the time comes to purchase a new or used vehicle, it’s important to go over, and understand, all available financing and auto insurance options available to you. The best way to do this is to visit our finance department at Marine Chevrolet. Our staff is standing by to answer any questions you may have before getting into a new model. If you have any questions, want to browse our new vehicle specials, learn the benefits of OEM Chevy parts, or more, visit us in Jacksonville or simply contact us online.