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Auto Liability Insurance
Liability auto insurance is quite possibly the most necessary type of car insurance, especially because many states require drivers to have it in order to operate a vehicle on public roads. Liability insurance covers the expenses of injury or damage caused by the insured party in a car accident.
How Auto Liability Insurance Works
Liability coverage is really a combination of two different types of insurance: coverage for property damage and coverage for bodily injury. This type of coverage protects a driver from the cost of personal injury to others through bodily injury coverage. It also protects a driver from the cost of damage caused to any physical property through property damage coverage.
Auto liability insurance policies usually include three important numbers (like 50/100/25). These numbers refer to the amount of damage covered by the policy, and are known as the split limits.
With the numbers listed in the liability auto insurance above, an insurance company would pay for as much as:
- $50,000 of bodily injury damages to any single person
- $100,000 total bodily injury damages caused to all people involved
- and $25,000 of property damage
Laws in most states will require certain minimum amounts of liability coverage. A complete list of requirements for different states can be seen in the following table:
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