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Auto Liability Coverage
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Auto insurance liability coverage is a fundamental component of most car insurance policies. It is designed to provide you with financial protection if you are found legally responsible for causing injury or property damage to another party due to a car accident.
Example:
Accidents happen. Liability coverage comes into play if you unintentionally cause damage or injuries to other cars or people on the road. It's the responsible car guy's way of ensuring others aren't left hanging if things go sideways.
Common Questions About Auto Liability Coverage
What is Bodily Injury Liability Coverage?
This coverage pays for the other party's medical expenses, lost wages, and other damages if you are at fault in an accident that causes injuries to someone else. It also covers legal defense costs if you are sued.
What is Property Damage Liability Coverage?
This coverage pays for the repair or replacement of another person's property (like their car, fence, or mailbox) if you are at fault in an accident.
Does this coverage cover my injuries?
No, liability coverage does not pay for your injuries or damages to your vehicle. That is where OpenRoad's Personal Injury Protection (PIP), Collision Coverage, and other coverage come in.