What Does Liability Insurance Cover?

Auto liability insurance is required by law in most states. It’s a two-fold plan that covers both property damage and bodily injury, meaning expenses from property damage or injuries to other people are covered if you’re at fault. Learn more about what liability coverage pays for below!

How Does Liability Insurance Work?

There are set minimum limits to both bodily injury and property damage coverage, which are set by the state. If you wish to have more liability insurance coverage, however, you can set your own limits as well. It’s important to note that liability insurance covers the victim of the accident, not the driver who is at fault. The following is covered by liability insurance:

Bodily Injury

• Rehab
• Pain and suffering
• Lost earnings
• Medical and hospital bills
• Any long-term nursing care that may be needed
• Funeral expenses in the event of a fatal accident

Property Damage

• General property damage (house, personal property, etc.)
• Pets
• Repair expenses
• Necessary part replacement
• Vehicle damage

Liability Coverage Limits

You can talk about your desired coverage limits with your insurance agent. It’s ideal that your coverage limit matches what you can offer in the case of an accident. Limits can be combined as a single limit or split.

• With a split limit, you can select individual maximum payment amounts for bodily injury payments per person, all people injured, and all property damage.
• A single limit uses the whole limit for all injuries and property damage. This option does not offer a total limit per person.

Learn More About Insurance Coverage at Mercedes-Benz of Charleston

For more information about insurance coverage, contact us online or visit our dealership near Beckley and Huntington. We can go over your financing and insurance options, including explaining gap insurance, before you purchase a new or pre-owned Mercedes-Benz!