What Is Liability Auto Insurance?

For vehicle owners, apart from getting to your destination safe, another thought that is likely to be playing in your mind is the hope of a safe car recovery in the event of a crash. Either caused by you or caused by someone else. Once in an accident, you will have to prove financially, your ability to take care of car damages should they occur. Auto insurance is all you need to take care of all that trouble in a jiffy.

For anyone planning to get his/herself a car, you will find it very useful, understanding the benefits and the possibilities of auto insurance.

So, what is liability auto insurance? If you ever cause an accident, liability auto insurance takes care of the payment of the car repairs, medical bills of passengers, and other concerns of the adverse vehicle’s crash. It also means that the people involved in the crash can sue you for damages and if found guilty, you will have to pay up.

Other sides of liability auto insurance.

In understanding the offerings of liability auto insurance, it is important to be familiar with the various ranges of auto insurance otherwise known as insurance limits and plans. These plans come in different limits for bodily injury per person and per accident. Some states require 50/100/25 liability auto insurance per person, per accident, and per property damage claims, while some states need a 25/50/25 liability auto insurance plan.

  • So, how much liability auto insurance can you take? With the figures mentioned above, if you, unfortunately, kiss the rear of someone’s car and your state’s liability limit is 25/50/25, then the medical bills take $10,000 and the car repairs need $5,000. Here is the breakdown with your state’s limit in mind: $25,000 for bodily injury claims per person
  • $50,000 for bodily injury claims per accident
  • $25,000 for property damage claims.

 

With that, you have the medical bills fitting perfectly into your $25,000 for bodily damage and the car damage of $10,000 slightly below your $25,000 for property claims.

This analysis, therefore, gives you an idea of how much insurance you need if you must be safe always.

 

  • However, some of the things not covered by the liability auto insurance that you may wish to know include: any damage to your car, rented car coverage, your medical bills, lost bills as a result of the crash, and a hit and run coverage.

 

Notwithstanding, there are other insurance packages that you can take up to protect yourself, a couple of them are.

  • Collision coverage: No matter who is responsible for the crash, this coverage takes care of the damages.
  • Medical Payments (MedPay): This package handles a portion of your medical expenses.
  • Personal Injury Protection (PIP): Death benefits, lost salaries, as well as health charges are all covered here.
  • Comprehensive car insurance: For falling tree branches, vandalism, and other environmental hazards, this coverage keeps you covered.

 

  • Uninsured/Underinsured Motorist (UM/UIM): If you ever get hit by an uninsured or underinsured hit and run driver, you will be grateful you had this package.

 

With the uncertainty and unpredictability of every car trip, auto insurance remains the only dependable succor in times of adversity and confusion arising from a car mishap. That said, you are free to get one today.

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