What Does Liability Insurance Cover?

How Does Liability Insurance Work?

Each state sets minimum coverage limits for bodily injury and property damage under liability insurance. However, you can adjust these limits based on your comfort level. For example, you can increase limits to maximize coverage and ensure protection in worst case scenarios. Liability insurance covers the following in each category:

• Bodily Injury
  • Medical and hospital bills
  • Any long-term nursing care that may be needed
  • Rehab
  • Pain and suffering
  • Lost earnings
  • Funeral expenses if fatalities occur
• Property Damage
  • Repair expenses
  • Vehicle damage
  • Necessary part replacement
  • General property damage (house, personal property, etc.)
  • Pets

It’s important to remember that these coverages are for accident victims, not you, if you are the one at fault.

Liability Coverage Limits

To further explain how liability coverage limits work for Murrells Inlet-area drivers, Beach Ford breaks down the difference between limits or maintaining a single limit.

• Split Limit: Allows drivers to set individual maximums for bodily injury payments, all people injured, and property damage.
• Single Limit: Sets one total maximum to be distributed for all injured persons and property damaged.

What Else Does Auto Insurance Cover?

In addition to liability insurance coverage, other components you might include in an overall auto insurance plan include:

• Car rental
• Roadside assistance
• Uninsured/underinsured motorists
• Gap insurance
• Towing
• Glass coverage

Learn More About Insurance Coverage at Beach Ford!

Purchasing a new or used vehicle means properly going over, and understanding, all available financing and auto insurance options. Get in touch with Beach Ford if you have any questions, and don’t hesitate to stop by our dealership near Florence if you need some assistance in selecting appropriate coverage for your needs.