What Does Liability Insurance Cover?

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How does liability insurance work? Well, the first question to ask yourself is, “What does liability insurance cover?” Liability Insurance is the most fundamental type of auto protection, as it covers bodily injury and property damage caused by your car if you are found at fault for an accident. Most states legally require that you at least have liability coverage, but this is only the most superficial auto liability insurance definition. Take a closer look with the help of the Land Rover Charleston finance department, and rely on us for tips on how to finance a car!


How Does Liability Insurance Work?

What does liability insurance cover? To some degree, that depends on you. Most states set minimum limits on liability insurance coverage, but you don’t have to opt in to every form of coverage offered in your liability insurance package. Here’s an overview of the most frequent features offered in your average Parkersburg liability insurance plan:

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

As previously mentioned, this coverage is specifically for the victim of an accident that you caused. It’s important to set proper limits on your liability coverage that align with how much you are able to offer.

Liability Coverage Limits

When setting up a liability insurance plan with your Huntington insurance agent, you will inevitably discuss insurance limits. You will have the option between a split, housed, or single limit.

  • A split limit will enable you to select an individual maximum for bodily injury payments per person injured, as well as property damage. For instance, you could specify that the driver receives the bulk of your insurance payment. With this plan, you have more freedom to answer the question, “What does liability insurance pay for?” on your own terms.
  • 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 Land Rover Charleston

Now that we’ve answered the question, “What does liability insurance cover?”, we recommend that you reach out to your Wheeling insurance agent for deeper discussion of which insurance plan is right for you. If you have any questions about car financing or the car buying journey, however, then don’t hesitate to call the Land Rover Charleston finance department for answers. You can also browse our library of car-buying tips at your leisure to learn about in-house financing car dealers and much more! Have questions about monthly payments or loan rates? Use our payment calculator for instant results.

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