Last updated
Was this helpful?
What Is Liability Car Insurance?
An Automobile liability refers to the financial security a driver enjoys if in case he harms someone or someone else’s property while he is driving his vehicle. If you’re one of them who stand up to their mistakes and try to rectify them, then a liability car insurance cover is what you need. Drivers in a large number of states do have liability car insurance cover to take care of the expenses they might incur while paying compensation to the person they’ve harmed.
Components of liability car insurance
1. The first one is a property damage liability insurance coverage that takes care of the expenses a driver may have to pay while compensating for the damage he caused to someone else’s property while operating an automobile.
2. The Second component is the bodily injury liability insurance coverage, which assists the driver to pay for all the medical expenses incurred by the person injured in the accident while he was driving the vehicle.
A driver is ideally supposed to have both the car insurance property damage liability and the bodily injury liability coverage to have himself backed up in case of any mishap occurs, and he has been held responsible for it. An individual with poor credit can also look for liability car insurance and browse for options that might suit him on websites that provide cheapest car insurance for bad credit holders.
Both the coverage have limits that need to be set when it comes to assisting in paying for the expenses for the driver. These limits are to be chosen by the driver himself while he’s going through the entire process of obtaining liability car insurance. Apart from the limits a driver has chosen, he might choose to go for additional coverage as he wills.
Three liability coverage limits
Ø Limit for property damage coverage: This refers to the highest amount the insurer shall pay on behalf of the driver to the person whose property has been damaged by the driver while operating a vehicle.
Ø Limit for bodily injury coverage: This refers to the highest amount the insurer shall pay on behalf of the driver to the person who has been injured by the driver while operating a vehicle. This amount is paid for medical expenses.
Ø Limit for bodily injury coverage per accident: This refers to the highest amount the insurer shall pay on behalf of the driver to the person who has been injured by the driver while he was operating a vehicle in a single accident. This coverage is helpful in cases where a driver injures more than a single individual in the accident.
This coverage should ideally by keeping in mind multiple scenarios, and by covering most possible outcomes of a mistake, a driver might make while operating a vehicle, thereby causing bodily harm or damaging their property. One can know all he needs to know by requesting no money down auto insurance quotes on websites that provide a solution for automobile liability insurance.
