So, what exactly is liability coverage when it comes to auto insurance? If you cause an accident and are found to be at fault, liability auto insurance will pay for the other driver’s medical bills and repairs to their vehicle.
Both bodily injury liability and property damage liability are included in a comprehensive liability auto insurance policy. The victim’s lost wages and medical expenses can be covered by bodily injury insurance. If their vehicle or other property was damaged in the collision, their property damage coverage would pay to get it fixed.
Exactly what does car liability insurance cover?
Liability auto insurance pays for injuries and repairs others sustain in a collision that you are legally responsible for. Never count on having your own car insurance’s liability coverage pay for anything you may do. If the policyholder causes an accident and someone sues them, the liability insurance will pay for their legal defense costs.
How Does Liability Car Insurance Work?
When you cause an accident, the other driver might seek compensation for their injuries and property damage from your liability insurance. If you are sued due to an occurrence, liability insurance will pay for your legal defense costs.
Your policy’s limits outline the maximum amount your insurer will pay out in the case of an accident. If you select a $25,000 limit for bodily injury liability coverage, for instance, your insurer will pay for medical expenses up to that amount, but everything over that will be your responsibility.
The Maximum Coverage for Auto Liability Insurance
The monetary cap on individual claims for bodily harm. The most money your insurance will pay out in total to treat injuries and replace lost wages for each person hurt in an accident you cause.
In the event of an accident, bodily harm responsibility is capped at a certain amount. This is the maximum amount your insurance company will pay for everyone’s medical bills and lost wages if you cause an accident.