What Does Liability Insurance Cover?

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Liability insurance is an important requirement in most states, but not just every driver around El Cajon understands how it works. So, just what does liability insurance cover and what does it pay for? The auto liability insurance definition may vary slightly from place to place, but generally speaking, it offers coverage from bodily injury and property damage to the victim in an accident where you are at fault. Learn how does liability insurance work and other car buying tips Kearny Mesa Kia:

How Does Liability Insurance Work?

Each state sets its own auto liability insurance definition to protect the minimum standards of coverage. That means that while you can’t go below the minimum, you can actually increase your coverage if you’d like. However, your liability insurance should cover the following:

Bodily Injury:

  • Medical and hospital bills
  • Long-term nursing care if needed
  • Funeral expenses in the event of a fatal accident
  • Rehab
  • Pain and suffering
  • Lost earnings

Property Damage

  • Repair expenses
  • Replacement parts
  • Vehicle damage
  • General property damage (house, personal property, etc.)
  • Pets

Keep in mind that these benefits apply to the victim of the accident, not the driver at fault for the damage.

Liability Coverage Plans

So, what’s the right choice for you in La Mesa or Chula Vista? It’s a good idea to chat with your insurance agent or speak with financial experts to explore your options. One of the biggest choices you’ll have to make is whether to go with a split limit or single limit. What does liability insurance pay for in these plans?

  • A split limit plan allows you to set individual maximums for the following categories: individual bodily injury payments, group bodily injury payments, and property damage overall.
  • A single limit plan does not set limits independently, so you have one lump sum to spread across all of those injured and all of the property damaged.

Explore Your Options with Kearny Mesa Kia

If you’re shopping for a vehicle, it’s important to get a good sense of your financial situation to help you shop with confidence. Feel free to contact us at Kearny Mesa Kia of San Diego to find out more about your options, and we’ll make sure that you find the right plan for your needs!

Want to learn more? Learn more about the Kia Soul warranty and what to do after a car accident, today.

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