So, what does liability insurance cover? Most states require drivers to have liability insurance on their vehicle as an added precaution. Sam Leman Automotive Group is here to provide a clear auto liability insurance definition for Central IL drivers who aren’t familiar with this coverage. To put it simply, liability insurance provides both bodily injury and property damage coverage to the other driver in the event of an accident where you are at fault. What does liability coverage pay for? Quite a few things! Read on to find out what liability coverage consists of in the event you’re involved in an accident in the area. You can also read up on gap insurance coverage options, compliments of Sam Leman Automotive Group.
What does liability insurance cover exactly? To get into specifics, the bodily injury and property damage coverage provided by liability insurance have their own set limits. Each individual state dictates what the minimum limit must be and you, as a driver, have the option to increase that limit depending on how much more you are willing to pay. See below to explore the coverage that liability insurance provides:
Bodily Injury:
Property Damage:
Keep in mind that the coverage offered is for the victim of the accident and not for the driver who is at fault for the accident. While liability coverage is often the minimum insurance protection you want, drivers should strongly consider purchasing more coverage depending on their particular situation.
How does liability insurance work in practice? It is recommended that you review your coverage limit options with your Central IL area insurance agent to determine what will work best for you. The limits can be either split or consolidated into a single limit, with a few key differences here:
Here at Sam Leman Automotive Group, we know Central IL drivers are looking for new vehicles and are in need of car buying tips and tricks. As your local automotive dealership, we are happy to be of assistance in answering any questions you may have on the auto liability insurance definition and more.
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