So what is the Auto Liability Insurance definition? Auto liability insurance is a two-fold plan that covers bodily injury and property damage and is a part of legally required auto insurance. What does Liability insurance pay for? It covers expenses from injuries to other people or property damage if you, the Asheville driver, are at fault. Learn more from our finance center about what liability insurance offers if you get into a car accident.
Both bodily injury and property damage fall into your overall liability coverage, but each type of damage can have its own set limits. There are minimum limits set by the state, but you can choose to set your own limits based on what you need. Generally, liability insurance covers the following:
Bodily Injury
Property Damage
But how does liability insurance work? Well, the most important factor to remember is that this coverage is for the victim of the accident, not the driver at fault. Your liability insurance will pay for the damage you do to the other person. This is why you should set limits on your liability coverage that match with what you’re capable of offering.
When a Hendersonville agent is helping you set up your plan, they’ll ask you about what you want your coverage limits to be. You’ll be able to either split your limits, or have a single limit. This is how that works:
When you purchase a new or used vehicle, you have to properly go over and understand all your available financing and auto insurance options. Be sure to check your state guidelines while choosing your coverage, and find coverage that’s appropriate for you and your budget. Still have questions? Feel free to contact us online or visit our Fletcher dealership, and we’ll be happy to help.
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