Protecting you from financial loss when you cause harm
Liability insurance is a fundamental part of your auto insurance policy. It covers the costs if you cause an accident that injures other people or damages their property. This coverage helps pay for medical bills, repair costs, legal fees, and any settlements or judgments if you’re found responsible.
What does liability insurance cover?
- Bodily injury liability: Medical expenses, lost wages, and legal fees if others are hurt in an accident you cause
- Property damage liability: Repair or replacement costs if you damage someone else’s vehicle or property
Liability insurance does not cover your own injuries or damage to your vehicle. It is typically required by law and provides financial protection to keep you from paying out-of-pocket for injuries or damages you cause.
Why is liability insurance important?
Without liability coverage, you could be personally responsible for significant expenses resulting from an accident. It safeguards your assets and future earnings by covering claims made against you.