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What Does Liability Insurance Cover?

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In nearly all states, it is a requirement that drivers have liability insurance. At Shottenkirk Chrysler Dodge Jeep Ram, we frequently get asked: “What does liability insurance cover?” The auto liability insurance definition is that it’s a type of insurance that covers both bodily injury and property damage. If you cause a collision, liability insurance will take care of the other driver’s injuries and property damage. Learn more about liability insurance with Shottenkirk Chrysler Dodge Jeep Ram so you can make sure you’re fully covered while driving on Marietta roads.



How Does Liability Insurance Work?

Each state has a minimum amount of bodily insurance coverage that will make sure that both parties in the accident are covered. You’ll want to review your coverage with the insurance provider to make sure it’s meeting your needs and fits within your budget. You may be wondering, what does liability insurance pay for? Take a look at what’s covered by liability insurance:

Bodily Injury

  • Lost earnings
  • Pain and suffering
  • Medical and hospital bills
  • Funeral expenses in the event of a fatal accident
  • Rehab
  • Any long-term nursing care that may be needed

Property Damage

  • Repair expenses
  • Vehicle damage
  • Necessary part replacement
  • Pets
  • General property damage (house, personal property, etc.)

What’s important to note about liability insurance is that it does cover the driver who caused the accident. Rather, the coverage is for the driver harmed in the collision.

Coverage Limitations

When Roswell drivers are setting up their insurance plans, they have the chance to split limits or combine each into a single limit.

  • Split limit – will allow you to choose individual maximums for bodily injury payments per person, for all people injured and all property damage.
  • Single limit – there is no total limit per person. The lump-sum is divided among the injured parties and split to cover all property damage.

Before you upgrade to a new ride, learn how to trade in your car like a pro, as well as other car-buying tips, when you visit Shottenkirk Chrysler Dodge Jeep Ram.

Visit Shottenkirk Chrysler Dodge Jeep Ram Today to Have All of Your Car Insurance Questions Answered!

Do you still have questions about what liability insurance covers? Contact our finance department and we’ll happily answer all of your questions about this type of insurance. Browse our new vehicle inventory to find the car you want to be covered. Or, check out our online tools like the finance application and start this process from the comfort of your own home. Learn other helpful car-buying tips, like how to refinance an auto loan, when you visit Shottenkirk Chrysler Dodge Jeep Ram.

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Shottenkirk Chrysler Dodge Jeep Ram 34.261133, -84.464721.