What Does Liability Insurance Coverage?

Couple looking at touchpad

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
2019 Chevy Equinox on City Street

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 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, Chevy Equinox lease deals, used Chevy Camaro inventory, find out what TPMS means, learn the benefits of OEM Chevy parts, or more, visit us in Jacksonville or simply contact us online.


Explore Our Models

  • 2024 Chevy Trax Interior

    Looking for a car that’s great for city driving and comfortable on long trips outside of Camp Lejeune? The new Chevrolet Trax has got you covered. Known for its innovative engineering, it’s compact outside but cozy inside. And the latest model? It’s even comfier!  Thinking about switching to the 2024 Chevy Trax? Our team at Marine Chevrolet…

  • 2024 Chevy Trax Colors

    The Chevy Trax is a popular pick here at Marine Chevrolet, and its striking good looks are just the tip of the iceberg. What colors does the Chevy Trax come in for 2024? No matter if you are interested in a 2024 grey Chevy Trax or something that makes more of a statement on the roads…

  • 2024 Chevy Trax Configurations

    The 2024 Chevy Trax trims are some of the most budget-friendly options in the current Chevy lineup. With its fun-to-drive attitude, modern design, and practical features, it’s an excellent choice for anyone looking to add a new car to their Camp Lejeune driveway. Compare the 2024 Chevy Trax trim levels below to help you find the…

Menu

Marine Chevrolet 34.7889, -77.404.