What Does Liability Insurance Cover?
If you’re a West Covina driver then you most likely have liability insurance or need to buy a liability insurance policy if you’re getting a new car. Required by law in most states, liability insurance is a plan that covers bodily injury and property damage in the event of an accident. What does liability coverage pay for and how does liability insurance work? Read below with Envision Toyota of West Covina as we explain auto liability insurance coverage, or contact our team if you have specific questions about this insurance policy.
How Does Liability Insurance Work?
If you’re found at fault in the event of an accident in Baldwin Park, your liability insurance coverage will cover the property damage and bodily injury of the affected party. Each liability coverage plan has a minimum limit set by the state, but you can set your own limits based on your comfort levels. Read below to see what liability insurance covers:
- Medical and hospital bills
- Any long-term nursing care that may be needed
- Funeral expenses in the event of a fatal accident
- Pain and suffering
- Lost earnings
- Repair expenses
- Necessary part replacement
- Vehicle damage
- General property damage (house, personal property, etc.)
It’s important to remember that liability insurance covers bodily injury and property damage for the victim of the accident, not the driver at fault. Because of this, it’s important to set your liability insurance limits with how much you’re able to offer.
Liability Coverage Limits
When you sit down with your Glendora car insurance agent to see what liability coverage pays for, you’ll inevitably discuss coverage limits. Liability coverage limits can be split or grouped together as a single limit. Read how this works below:
- A split liability limit allows you to set individual maximums for bodily injury payments per person, for all people injured, and property damage.
- A single liability limit offers no total limit per person. This means the lump sum will be spread across all those injured and the property damaged.
Find Out More About Insurance Coverage With Envision Toyota of West Covina
When you purchase a new or used Toyota, you’ll go over all the auto financing and insurance options with our expert finance team. Follow state guidelines when you select the liability insurance coverage that’s right for your needs, and soon you’ll be driving with confidence and peace of mind on your Covina commute.
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