What Does Liability Insurance Cover?

hands protecting a model car

Auto liability insurance is a required form of insurance in most states. The auto liability insurance definition is that it’s a two-fold plan that covers bodily injury and property damage. While these are separate, both are required. How does liability insurance work? It covers the expenses from injuries to other people or property damage if you, the Cincinnati driver is at fault. What does liability insurance coverage pay for? Beechmont Toyota is taking a closer look at what it offers, in the event that you are involved in an accident driving your new Toyota vehicle.

How Does Liability Insurance Work?

Both property damage and bodily injury do fall into your overall liability coverage, and they will each have their set limits. Keep mind, there are minimum limits that are set by each state, and you can set your limits based on what you are comfortable with. Liability insurance will cover the following:

  • 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

It’s important to keep in mind that this coverage is for the victim of the accident, and not the at-fault driver. Set proper limits on your liability coverage that align with how much you can offer.

Liability Coverage Limits

When it’s time to set up your liability insurance plan with your Loveland-area insurance agent, you can discuss coverage limits, liability insurance costs, and getting a certificate of liability insurance. Your coverage limits can either get split or housed as one limit. Details on how that works are below:

  • A split limit allows you to select individual maximums for bodily injury payments per person, for all people injured, and all property damage.
  • A single limit, however, means there is no total limit per person, and the lump sum is spread across all those injured and all property damaged.

If you’re looking at financing a pre-owned vehicle but aren’t sure if you need full coverage for a used car, then visit Beechmont Toyota to see if liability would be a better option.

Learn More About Liability Insurance Today!

When it’s time to enhance your day-to-day commute with your new Toyota vehicle, visit Beechmont Toyota! We’ll also go over your insurance options, our vehicle specials for added savings, and help create a financial package that fits within your budget. It’s our goal that your entire car-buying process is stress-free and efficient. Give us a call today for additional information about liability insurance, with questions like how do you know if you have GAP insurance, or to schedule an appointment.

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8667 Beechmont Avenue • Cincinnati, OH 45255

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Beechmont Toyota 39.0711428, -84.3131951.