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What Does Liability Insurance Cover?

Car Accident
How does liability insurance work? Auto liability insurance, by definition, covers bodily injury and property damage. In most states, liability insurance is a must. The insurance coverage is not only for you, but for the injuries and expenses of other people. For example, an accident occurs in Warwick, and you are at fault, you will have coverage. At Middletown Honda, we take a more in-depth look at liability coverage. You will find out answers to, “What does liability coverage pay for” and more with the Middletown Honda finance team!

How Does Liability Insurance Work?

Although bodily injury and property damage fall under liability coverage, both have set limits. Minimum limits are set by the state or by you. You can set limits based on what makes you feel most comfortable.

What Does Liability Insurance Pay For?

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

What Does Liability Insurance NOT Cover?

If you are still wondering, what does liability insurance cover? Remember that the coverage is for the victim in the accident. Thus, the payout will go to the injured party, not the person at fault. You will need to set limits on your liability coverage. You need to ensure coverage that you can offer.

At Middletown Honda near Goshen, we are happy to go over the various insurance options. You need to know which coverage can help you when you need it most. A car accident is terrifying in itself. Therefore, it is better to prepare for one when it does occur.

Learn More About Insurance Coverage at Middletown Honda

We hope you are more aware of the auto liability insurance definition and what it covers. We want drivers in Monroe to feel knowledgeable about their coverage. Contact us to go over further details, financing, or other auto insurance options. Our team can help pair you with the right auto insurance that will suit your needs. At Middletown Honda, we can help you find a new Honda and auto insurance. Visit us online or in-store.

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