What Does Liability Insurance Cover?

Liability insurance covers you in the case that you get into an accident around Warren and the accident was caused by you. It’s legally required as a minimum type of car insurance, but how does liability insurance work, and what specifically does it cover? Take a look at the simple auto liability definition with the finance center at Apostolakis Honda to see how it can help you stay covered wherever you go.

Auto Liability Insurance Definition

Auto liability insurance provides you with financial coverage if you’re found to be the cause of an accident. Basically, if you get into an accident and are at fault, then you’ll be covered with liability insurance. Liability insurance provides you protection from bodily injury to other drivers or pedestrians as well as property damage.

It’s important to remind yourself that liability insurance protects you if you’re at fault, but coverage goes to the other driver or victim in an accident that you caused. So, if the other driver was injured or needs vehicle repairs, your liability insurance covers them.

What Does Liability Insurance Cover Specifically?

How does liability insurance work? As mentioned above, liability insurance protects you if you’re found to be the cause of bodily injury to others or property damage. What does that mean, exactly? Here are some of the things that liability insurance keeps you protected from if you get into an accident in Cortland:

Bodily Injury

• Medical and hospital bills
• Long-term nursing care
• Pain and suffering
• Loss of earnings due to injury
• Funeral expenses and fees
• Rehabilitation

Property Damage

• Repair expenses
• Replacement of parts
• Pet injuries or fatalities
• Vehicle damage
• General property damage (house, personal property, etc.)

Limits of Liability Coverage

When choosing your coverage limits for your liability insurance plan, you’ll have the choice of split or single limits. Here’s what those mean:

• Split Limit:This lets you choose maximum amounts for bodily injury payments per person or for all of the people who are injured. This also applies to any property damage that occurred.
• Single Limit: With this option, there’s no set limit per person involved in the accident. Instead, a lump sum amount is spread amongst everyone involved who received bodily injury and property damage.

If you’ve found this helpful, then check out our additional car-buying tips and advice on our website. For any more questions about liability insurance coverage specifically, reach out to our finance team online or by visiting our dealership near Boardman.

Find Out More About What Liability Insurance Covers With Us!

If you have liability insurance or need to get liability insurance for a new Honda, then contact Apostolakis Honda. We’ll be happy to go over your options with you and help you feel confident in your decision. Stay safe and protected on the roads of Youngstown with Apostolakis Honda!