Auto insurance is necessary for all drivers on the road. It protects the driver financially in case of an accident or damage. Liability auto insurance is a type of auto insurance that covers damages and injuries caused by the insured driver to other drivers or property.
How Does Liability Auto Insurance Work?
Liability auto insurance works by covering damages and injuries that the insured driver causes to other parties. This type of insurance does not cover the insured driver’s own injuries or property damage.
Liability auto insurance typically has two types of coverage:
- Bodily Injury Liability Coverage: This covers the medical expenses, lost wages, and the pain and suffering of the other driver or passengers injured in the accident.
- Property Damage Liability Coverage: This covers the damage caused to other vehicles, buildings or other property caused by the insured driver.
The amount of coverage provided by liability auto insurance varies depending on the policy and the state in which the policy is purchased. In most states, liability auto insurance is mandatory and drivers are required to carry minimum coverage limits.
Why is Liability Auto Insurance Important?
Liability auto insurance is important because it protects the driver financially in case of an accident or damage caused to other parties. Without insurance, the driver would have to pay for these damages out of pocket.
Liability auto insurance is also important because it is often required by law. In most states, drivers are required to carry liability auto insurance to operate a vehicle legally.
What is Not Covered by Liability Auto Insurance?
Liability auto insurance does not cover the insured driver’s own injuries or property damage. It only covers damages and injuries caused by the insured driver to other parties.
Liability auto insurance also does not cover intentional damage or injuries caused by the insured driver. Any damage or injury caused intentionally by the insured driver is not covered by liability auto insurance.
How Much Liability Auto Insurance Coverage Should You Have?
The amount of liability auto insurance coverage you should have depends on your state’s minimum requirements and your personal assets. It is recommended to have enough liability auto insurance coverage to protect your personal assets in case of a lawsuit.
It is recommended to carry liability auto insurance coverage of at least $100,000 per person and $300,000 per accident for bodily injury liability coverage, and $100,000 for property damage liability coverage.
FAQ
Question |
Answer |
Is liability auto insurance required by law? |
Yes, liability auto insurance is required by law in most states. |
What does liability auto insurance cover? |
Liability auto insurance covers damages and injuries caused to other parties by the insured driver. |
What is the recommended amount of liability auto insurance coverage? |
It is recommended to carry liability auto insurance coverage of at least $100,000 per person and $300,000 per accident for bodily injury liability coverage, and $100,000 for property damage liability coverage. |
What is not covered by liability auto insurance? |
Liability auto insurance does not cover the insured driver’s own injuries or property damage, and intentional damages or injuries caused by the insured driver. |
Liability auto insurance is an important type of auto insurance that protects the driver financially in case of an accident or damage caused to other parties. It is often required by law and it is recommended to carry enough coverage to protect your personal assets in case of a lawsuit.
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