What Does Liability Insurance Cover?

Searching for an auto liability insurance definition? Required by law in most states, auto liability insurance is a two-fold plan that covers bodily injury and property damage. While technically separate, both are necessary. What does liability insurance cover? It takes care of expenses that stem from injuries to other people or property damage if you are the driver at fault in a collision around Leominster? What does liability coverage pay for? Ron Bouchard Nissan is here to discuss how liability insurance works in the guide below.

How Does Liability Insurance Work?

So, how does liability insurance work, exactly? Bodily injury and property damage coverage both fall into your overall liability coverage. However, you have the opportunity to set individual limits as long as they meet the minimum limits of the state.

What does liability insurance cover?

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

Setting Up Coverage Limits

Fitchburg drivers have options when setting up coverage limits. When setting up coverage limits, bodily injury and property damage coverage can be split or housed as a single limit. Here’s what sets the two options apart.

• A split limit gives you the opportunity to select individual maximums for bodily injury payments per person, for all people injured, and all property damage.
• If you decide to choose a single limit, there is no total limit per person. In this case, the lump sum will simply be spread across all those injured and all property damaged.

Turn to the Insurance Experts at Ron Bouchard Nissan

We understand that the nuances of auto insurance can be a bit confusing. That is why our finance department is here to answer any questions you may have. Our car buying tips and tricks are designed to guide you through the process so you are ready to go and hit the Gardner roads. Contact us today if you have any questions. We would be glad to assist you.