What Does Liability Insurance Cover?

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Most states require auto liability insurance by law. So, what does liability insurance cover? This two-fold insurance plan covers the expenses resulting from bodily injury and property damage in the event of a collision in the Altoona area. Find out more about what liability insurance covers, how it works, what it pays for, and more in this guide from McCall Motors. From there, our finance team can help you find the right insurance coverage for you!



How Does Liability Insurance Work?

As previously mentioned, liability insurance has two tiers – bodily injury and property damage. As you navigate the process of securing insurance, you will see that you can choose from various limits for each. Each state sets a minimum limit, and from there, you can select your preferred coverage based on what you’re comfortable with.

How does liability insurance work, then? It covers the following in the event of an accident for which you are at fault:

Bodily Injury

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

Property Damage

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

Still wondering: What does liability coverage pay for? The main thing to note with liability insurance is that it covers the expenses for the victim of the accident, not for the driver at fault.

Liability Coverage Limits

Now that you have an understanding of the auto liability insurance definition, take a moment to learn about liability coverage limits. You have two options here:

  • A split limit, which lets you set individual maximums for bodily injury payments per person, for all people injured, and all property damage.
  • A single limit, which groups all people and property together.

Learn More About Insurance Coverage at McCall Motors

When you buy a new or used vehicle near Johnstown, ensuring that you understand and secure liability coverage is crucial. You will need to make sure you’re following state guidelines while also selecting the coverage that’s appropriate for your needs. McCall Motors is happy to help you navigate this process! Simply connect with our team with questions or for guidance.

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