What Does Liability Insurance Cover?

Getting into an accident around Santan is surely unfortunate, but what’s more pressing is determining the right converge to protect you in case you find yourself in an auto incident. So, what does liability insurance cover? Required by law in most states, auto liability insurance is a two-fold plan that covers bodily injury and property damage, but you can determine your limit for each. Learn more about how you can get the right auto liability insurance coverage from the experts at Bill Luke Santan today!

How Does Liability Insurance Work?

So, what does liability insurance pay for if you get into an accident around Chandler? The liability insurance definition includes coverage for bodily injury and property damage, but each has its own set limits depending on what you are comfortable with. Liability insurance covers the following instances below:

What Does Liability Insurance Pay For?

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

Remember the key factor is that this coverage is for the victim of the accident, not the driver at fault. It’s also important to set proper limits on your liability coverage that align with how much you’re able to offer.

Auto Liability Insurance Definition: Coverage Limits

Along with understanding your auto liability insurance definition, there are also coverage limits that can either be split or kept together. See how it works below:

• 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 Auto Insurance Coverage at Bill Luke Santan

Once you’ve read over the auto liability insurance definition and coverage, you can make the best choice for your Mesa travels. Learn more at Bill Luke Santan and explore more information with our finance and insurance hub or apply for financing and value your trade-in online from home to get started. Contact us today for more details and to schedule an appointment at our dealership here in Gilbert!