Liability insurance is legally required to drive on the Jacksboro and Weatherford roads, but just what does liability insurance cover? Liability insurance covers expenses from both bodily injury and property damage when you are the driver at fault in an accident. If you’re not sure what that means for you, the team at Bayer Graham is here to break it down for you in plain language. Find out the answers to the following questions:
Going over the auto liability insurance definition once more, liability insurance covers the damages for the victim of a collision. If you were responsible for an accident in Wichita Falls, for example, your liability insurance would cover any bodily injury or property damage that resulted. This might include:
Liability insurance is required for all drivers, and the state sets certain guidelines for what constitutes acceptable coverage. While you can stick with the minimum requirements, you can also opt for greater coverage for added peace of mind. This is entirely personal, and if you have any questions, our finance team would be happy to walk you through it. Some drivers prefer extra coverage, but we can go over your budget and driving habits to determine the right solutions for you.
As you now know, the auto liability insurance definition includes both bodily injury and property damage. But, you have some options when setting up your coverage limits. Here’s how it works:
Split Limits: If you choose a split limit, you’ll select individual maximums for bodily injury payments per person, for all people injured, and for all property damageSingle Limit: If you choose a single limit, there is no total limit per person. You will simply have one lump sum that is spread across all those injured and all property damaged.
Still have questions about how does liability insurance work? Want to know more about other forms of insurance? We’d be happy to give you the answers that you need, so contact us today! If you want to chat in person, don’t hesitate to reach out to us in Graham. Our finance experts are available for personalized advice, as well as other finance tips!
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